MILL TOWN
Charter #68222 · EVERETT, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.54% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.96% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.61% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.16% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 72nd — a 48-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MILL TOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $59.53M | 24th pct | 72th pct |
| Members | 3,509 | 18th pct | 51th pct |
| Net worth ratio | 22.54% | 96th pct | 79th pct |
| Return on average assets | 1.24% | 76th pct | 59th pct |
| Net interest margin | 4.96% | 95th pct | 77th pct |
| Cost of funds | 1.22% | 67th pct | 54th pct |
| Loan-to-share | 101.84% | 99th pct | 92th pct |
| Delinquency 60+ days | 2.61% | 97th pct | 92th pct |
| Net charge-off ratio | 2.16% | 97th pct | 98th pct |
| Loan growth YoY | -8.35% | 5th pct | 3th pct |
| Share growth YoY | -4.39% | 2th pct | 3th pct |
| Efficiency ratio | 68.85% | 24th pct | 31th pct |
structural peer set hash: 6660937c06b6fb498ccbace74c17ec26… (reproducible)
Closest structural peers
This is the free public view
Claim MILL TOWN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.