MILLSTREAM AREA
Charter #96756 · Findlay, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,832 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.52% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.39% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.00% sits at the 75th percentile of structural peers — worth a closer look.
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 | MILLSTREAM AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.28M | 48th pct | 44th pct |
| Members | 7,832 | 86th pct | 92th pct |
| Net worth ratio | 12.39% | 46th pct | 51th pct |
| Return on average assets | 1.52% | 86th pct | 89th pct |
| Net interest margin | 4.39% | 84th pct | 89th pct |
| Cost of funds | 0.89% | 48th pct | 52th pct |
| Loan-to-share | 55.48% | 41th pct | 56th pct |
| Delinquency 60+ days | 1.00% | 72th pct | 75th pct |
| Net charge-off ratio | 0.54% | 73th pct | 74th pct |
| Loan growth YoY | -0.65% | 58th pct | 48th pct |
| Share growth YoY | 5.19% | 75th pct | 69th pct |
| Efficiency ratio | 81.39% | 55th pct | 52th pct |
structural peer set hash: 100128205c41d52ceb0097df0c7ab810… (reproducible)
Closest structural peers
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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.