Sep, 30, 2025 — MILLSTREAM AREA CREDIT UNION is a non-federally insured state credit union headquartered in FINDLAY, OH with 3 branch locations and about $66.84 million in total assets. Opened 2026 years ago in 0, MILLSTREAM AREA CREDIT UNION has about 7,712 members and employs 24 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MILLSTREAM AREA CREDIT UNION |
|---|---|
| Address: (Main Office) | 1007 Western Ave FINDLAY, OH 45840 |
| Phone: | (419) 422-5626 |
| Fax: | (419) 422-2027 |
| Website: | https://www.millstreamcu.com |
| Branches: | 3 branch locations |
| Members: | 7,712 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 96756 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 0 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $66,842,745 |
| CEO/Manager: | Joshua D Reams |
| Chairperson: | Brody C Yingling |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,509,027 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 15,269,972 |
| Unsecured Loans | 3,479,762 |
| Other Loans | 15,420,987 |
| TOTAL LOANS | 34,170,721 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -277,169 |
| Land And Building | 2,106,467 |
| Other Fixed Assets | 585,820 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 0 |
| TOTAL ASSETS | 66,842,745 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 401,796 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 14,250,976 |
| Regular shares | 24,150,252 |
| All Other Shares & Deposits | 19,771,966 |
| TOTAL SHARES & DEPOSITS | 58,173,194 |
| TOTAL LIABILITIES | 58,574,990 |
| Regular Reserve | 0 |
| Other Reserves | 1,842,250 |
| Undivided Earnings | 6,425,505 |
| TOTAL EQUITY | 8,267,755 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 66,842,745 |
| INCOME & EXPENSE | |
| Loan Income | 1,848,479 |
| Investment Income | 900,123 |
| Other Income | 752,816 |
| Total Employee Compensation & Benefits | 1,177,119 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,939,799 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 57,500 |
| Cost of Funds | 410,499 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 609,213 |
| ↑ Back to Top | |