# MILLSTREAM AREA
Findlay, OH · NCUA charter 96756 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/millstream-area-96756

Who the members are: state charter. 7,832 members of 429,590 potential (1.8% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $70.3M |
| Members | 7,832 (0.1% YoY) |
| Full-time staff | 23 |
| Net worth | $8.7M |
| Net worth ratio | 12.4% (p46 of band) |
| ROA (annualized) | 1.53% (p86 of band) |
| Total delinquency | 1.00% (p72 of band) |
| Net charge-offs (annualized) | 0.55% (p73 of band) |
| Loans / shares | 55% (p41 of band) |
| Cash / assets | 19.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p86 of band) |
| Operating expense / assets | 5.71% (p93 of band) |
| Vehicles % of loans | 42% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.61% (p53 of band) |
| Vehicle NCO | 0.90% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 10% |
| Average share balance | $4,114 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $10,750 |
| Loans granted, annualized | $9.1M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising | delinquency 2x band |
| 2017-06 | 3 | delinquency 2x band |  |
| 2017-09 | 1 |  | delinquency rising, delinquency 2x band |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | delinquency rising, members leaving |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 6 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | losing money | members leaving, delinquency 2x band, delinquency rising |
| 2020-09 | 4 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  | losing money, delinquency 2x band |
| 2021-03 | 5 | net worth falling, losing money, delinquency 2x band |  |
| 2021-06 | 3 |  | net worth falling, losing money |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 | thin capital | delinquency 2x band |
| 2022-06 | 2 | delinquency 2x band | thin capital |
| 2022-09 | 1 |  | delinquency 2x band |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 3 | delinquency 2x band |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-20 [Superior Credit Union hosts fraud roundtable - LimaOhio.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQakxUdVZMZUQwV0JSLXdLajdMbnc4VndmMXhIX09fQU1TREFVT2I0RXNOZ0tVWlU3X0gxc1JiSmR4MTlUSE9GZ2JQeV9MSVB1SUk4bWFWbDh2anZpRHVnMzlRbUttWVJfdEhhZUxDY0ZUcTFRQW51T1c4N25MQnZNaHN6NlFTOW9Fa2UtWTRnc3k3dEd1NE5YNg?oc=5) · LimaOhio.com
- 2026-06-09 [Registration Open For Inaugural Blanchard River 5K Run/Walk - WFIN](https://news.google.com/rss/articles/CBMikgFBVV95cUxQZDU2ZDJHYXpGOFIzRW42eE4zWkdUT04zbzVuOFZSQWg1YXJ6SGpoRDVyaktTcEZzWmViWlFVWnhjeUs1WG9pRkVvbWV1T25GVUpBRjhCTEZhT2Izc3diYjNMcVJVTTlwcWJWOUVJLXVycWd1VGRza0hXM1M4QWVxWVhNNDIyZ0NGb1QyUkZmRWRUZw?oc=5) · WFIN
- 2025-11-07 [UF Business Affiliates Scholarship Program Recipients - WFIN](https://news.google.com/rss/articles/CBMiigFBVV95cUxNcWVWVXk4RWdrNlBKQURpWENfeWwyc2dIcGNVdGkwY2g2MUw1eEVZdENENDhUZFhaSEloV2RwbFNlcGx0OFNJNzlOQXU0Y0p3OGVQTHl0WWdiMUxPcVE4QjVMM1FfWVBrQl9WU0dUTXJQYllxMTdXZUE0OVFzTVhIWXB3alZMUlVqT1E?oc=5) · WFIN
- 2024-11-20 [UF Students Awarded Business Affiliates Program Scholarships - WFIN](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQ3BHaDJGQ3lZZ1pmdnJJM2hMYzNhVTQ2am12cG5QbWZhOVBIU2Y2cE1ITnJIRXJHZ05FZGZYN3dlSUphVm81WHpRUUNaajJ5U0xuOU90VXp3ZVpIaFQ3Qms4NExjNk9abmJOTlVGZVQ3Y3FIODJVX3RkY0p5dnNOdzNpTHN1d0ctWHhmNTRwM2sxX28?oc=5) · WFIN
- 2024-12-19 [Shop With A Firefighter Held In Findlay - Local News - WFIN](https://news.google.com/rss/articles/CBMid0FVX3lxTE5yTmh0amF1d1ZpdVdSOG44cTdCeFoxaHl6c0hDSDNBLWh3bG1OZmdCSU52N3JzQTYwMTVRaWlTQ2pvOXh6NFhrdVZJOWFyTTZqSVZsUm1QYldjTm40YnNPZU5XazItRUZKQUZTWGo3d1gxNGJSUmVr?oc=5) · WFIN

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96756 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "96756", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=96756
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide