Millstream Area
Findlay, OH · Charter 96756 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$70.8MAssets
$34.3MLoans
$61.3MShares
$8.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 191 of 1681).
- Widest gap: efficiency ratio trails 58% of credit unions under $1B in assets (rank 977 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.41%
Rank 286 of 1,683
Net Interest Margin
4.43%
Rank 363 of 1,683
Efficiency Ratio
80.98%
Rank 977 of 1,682
Equity / Assets
12.64%
Rank 886 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.35% | 0.74% | 1.18% | Beats 83% | 286 / 1,683 | | |
| Return on Equity | 11.18% | 2.67% | 5.89% | 8.74% | Beats 89% | 191 / 1,681 | | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 363 / 1,683 | | |
| Efficiency Ratio | 80.98% | 68.91% | 78.20% | 86.93% | Beats 42% | 977 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 50% | 848 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.64% | 10.44% | 12.89% | 16.53% | Beats 47% | 886 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.64% | 10.44% | 12.89% | 16.53% | Beats 47% | 886 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.92% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,191 / 1,683 | | |
| Loans / Assets | 48.47% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,160 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |