Mill Town Credit Union
Total assets
$59.5M
▼ -5.5% YoY
Shares & deposits
$45.9M
▼ -6.2% YoY
Loans
$46.7M
▲ +8.1% YoY
Members
3,509
▲ +0.7% YoY
ROA (annualized)
1.26%
peers 0.60%
ROE (annualized)
5.60%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Mill Town Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +1.3% | -6.8 pts |
| Share growth (YoY) | -6.2% | +0.7% | -6.8 pts |
| Loan growth (YoY) | +8.2% | -2.4% | +10.5 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 3102 Broadway, Everett, WA, 98201
- NCUA charter #
- 68222
- RSSD ID
- 654298
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.5M | $45.9M | $46.7M | $13.4M | $188K | 1.26% | 5.06% | 2.61% | 3,509 |
| Q4 2025 | $62.1M | $48.0M | $48.8M | $14.0M | $-48K | -0.08% | 4.92% | 2.28% | 3,563 |
| Q3 2025 | $62.1M | $48.0M | $51.0M | $14.0M | $-76K | -0.16% | 4.86% | 2.23% | 3,594 |
| Q2 2025 | $62.5M | $48.6M | $47.3M | $14.0M | $-11K | -0.04% | 4.67% | 2.37% | 3,504 |
| Q1 2025 | $63.0M | $48.9M | $43.2M | $14.0M | $564 | 0.00% | 4.52% | 2.58% | 3,484 |
| Q4 2024 | $62.1M | $48.0M | $41.9M | $14.0M | $424K | 0.68% | 4.51% | 3.79% | 3,432 |
| Q3 2024 | $62.4M | $48.1M | $43.2M | $13.9M | $298K | 0.64% | 4.47% | 3.05% | 3,534 |
| Q2 2024 | $65.5M | $51.7M | $44.5M | $13.7M | $44K | 0.13% | 4.25% | 2.48% | 3,596 |
Loan mix (Q1 2026): real estate $9.4M · commercial $0 · consumer $36.4M · securities $5.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.83% | 89th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 81.5% | 24th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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