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Credit union call report ยท Everett, WA

Mill Town Credit Union Call Report

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Mill Town Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 243 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Mill Town Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68222
Federal Reserve RSSD ID654298

The official copy: search charter number 68222 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Mill Town Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
Mill Town Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $232K
1c. Total Cash on Hand 730A $232K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $10.3M
2. Cash on Deposit (total) 730B $10.3M
3. Time Deposits in Banks and Credit Unions AS0007 $5.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $15.8M
12b. Perpetual Contributed Capital 769B $86K
13. TOTAL OTHER INVESTMENTS AS0017 $86K
15a. Number of Total Loans and Leases 025A 2,593
15b. Total Loans and Leases 025B $43.1M
17. ACL on Loans and Leases AS0048 $829K
18c. Foreclosed/Repossessed - Vehicles AS0024 $90K
18e. Foreclosed/Repossessed Assets (total) 798A $90K
19. Land and Building 007 $729K
20. Other Fixed Assets 008 $161K
21. NCUA Share Insurance Capitalization Deposit 794 $443K
22d. Accrued Interest on Loans 009A $153K
22e. Accrued Interest on Investments 009B -$309
22f. All Other Assets 009C $91K
22g. Total Other Assets AS0036 $244K
23. TOTAL ASSETS 010 $59.9M
Accounts Payable and Other Liabilities 825 -$9K
Accrued Dividends and Interest Payable 820A $56K
Member Shares of All Types 013 $46.5M
Total Shares and Deposits 018 $46.5M
Undivided Earnings 940 $13.4M
Total Net Worth 997 $13.4M
Net Worth Ratio 998 22.46%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $59.9M
Statement of Income and Expense (23 items)
Mill Town Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.6M
3. Income from Investments 120 $172K
5. TOTAL INTEREST INCOME 115 $1.8M
6. Dividends on Shares 380 $279K
9. TOTAL INTEREST EXPENSE 350 $279K
10. NET INTEREST INCOME IS0010 $1.5M
12a. Credit Loss Expense - Loans and Leases IS0011 $168K
12e. Total Credit Loss Expense IS0017 $168K
13. Fee Income 131 $90K
14. Other Operating Income IS0020 $11K
19. Gain (Loss) on Sale of Loans IS0029 -$147K
23. TOTAL NON-INTEREST INCOME 117 -$47K
24. Employee Compensation and Benefits 210 $512K
25. Travel and Conference 230 $4K
26. Office Occupancy 250 $38K
27. Office Operations 260 $105K
28. Educational and Promotional 270 $40K
29. Loan Servicing 280 $96K
30. Professional and Outside Services 290 $148K
32. Operating Fees 320 $7K
33. Miscellaneous Operating Expense 360 $95K
34. TOTAL NON-INTEREST EXPENSE 671 $1.0M
35. NET INCOME 661A $211K
Statement pages - all other filed accounts (20 items)

delinquency (21%), credit cards (21%)

Mill Town Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $1.1M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $345K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $178K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $1K
Loans Granted Year-to-Date 031A $75
Amount of Loans Granted Year-to-Date 031B $2.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $940K
Number of current members (not number of accounts) 083 3,423
Number of potential members 084 6,724,540
Interest Rate of Unsecured Credit Card Loans 521 950.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,200.00%
Interest Rate of New Vehicle Loans 523 575.00%
Interest Rate of Used Vehicle Loans 524 575.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $536K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $61K
Amount of Regular Shares 657 $25.2M
Amount of Share Drafts 902 $7.1M
Share Certificates - < 1 Year 908A $14.1M
Total Amount of Share Certificates 908C $14.2M
Number of Used Vehicle Loans 968 1,648
NCUA form-section FS220A (21 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Mill Town Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $46.3M
Total Shares - 1-3 Years 013B1 $147K
Total Shares and Deposits - < 1 Year 018A $46.3M
Total Shares and Deposits - 1-3 Years 018B1 $147K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 42
Amount of Delinquent Indirect Loans 041E $796K
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $20.4M
Amount of New Vehicle Loans 385 $11.6M
Amount of Unsecured Credit Card Loans 396 $687K
Amount of All Other Unsecured Loans/Lines of Credit 397 $572K
Share Certificates 451 $278
Number of Accounts for Share Drafts 452 887
Number of Accounts for Regular Shares 454 2,900
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,065
Number of credit union employees who are Full-Time (26 hours or more) 564A 11
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Number of Outstanding Indirect Loans 617A 864
Total Amount of Outstanding Indirect Loans 618A $28.6M
Total credit lines 881 $4.5M
Other Comprehensive Income (unless already included in item 33 or 34) 945B -$97K
NCUA form-section FS220B (19 items)

maturity and repricing buckets (40%), credit cards (17%)

Mill Town Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $5K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $13K
Number - Total Delinquent Credit Card Loans 045A 6
Total Amount of Delinquent Unsecured Credit Card Loans 045B $28K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $3.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $3.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $43.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $25.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $7K
Amount of Share Drafts - < 1 Year 902A $7.1M
Share Certificates - 1-3 Years 908B1 $147K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $285K
Number of New Vehicle Loans 958 276
Total Shares 966 $4K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $302K
Number of Unsecured Credit Card Loans 993 437
Number of All Other Unsecured Loans/Lines of Credit 994 103
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 7
NCUA form-section FS220C (7 items)

charge-offs and recoveries (27%), participation loans (18%)

Mill Town Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $529K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $7K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $57K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $4K
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $7.9M
NCUA form-section FS220D (18 items)

member services and products offered (69%), CUSO relationships (27%)

Mill Town Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Low-cost wire transfers 879W $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (2 items)

loans and leases (32%), participation loans (18%)

Mill Town Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.3M
Total Credit Lines at Corporate Credit Unions 884 $4.5M
NCUA form-section FS220H (3 items)

student loans (43%), delinquency (27%)

Mill Town Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $7.8M
Total number of TDR loans outstanding 1000F $5
Total amount of TDR loans outstanding 1001F $158K
NCUA form-section FS220I (14 items)

vehicle lending (59%), delinquency (44%)

Mill Town Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $85K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $738K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $239K
Amount of New Vehicle Loans Delinquent 180 to 359 days 022C1 $54K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $112K
Number of Reportable Delinquent New Vehicle Loans 035E1 3
Number of Reportable Delinquent Used Vehicle Loans 035E2 31
Amount of Reportable Delinquent New Vehicle Loans 041C1 $178K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $633K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $103K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $426K
Amount of New Vehicle Loans YTD Recoveries 551C1 $3K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $58K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $2K
NCUA form-section FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Mill Town Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $144K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $144K
NCUA form-section FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Mill Town Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $43.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $7.6M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 675.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 1,200.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $626K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.6M
NCUA form-section FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Mill Town Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $5.4M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.7M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $399K
Total Unfunded Commitments for Non-Commercial Loans 816T $7.8M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $238K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 16
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 64
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 49
NCUA form-section FS220N (2 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Mill Town Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $46.5M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $59.9M
NCUA form-section FS220P (20 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Mill Town Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Unsecured Credit Card Loans DL0002 $10K
All Other Unsecured Loans/Lines of Credit DL0024 $4K
All Other Unsecured Loans/Lines of Credit DL0027 $4K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
New Vehicle Loans DL0030 $124K
Used Vehicle Loans DL0037 $283K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $2K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $308K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $97K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $97K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $418K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $16K
Amount of Consumer Loans in Non-Accrual Status DL0145 $45K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $1
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $67K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 852
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $28.5M
Number of Indirect Loans - All Other Loans IN0007 12
Amount of Indirect Loans - All Other Loans IN0008 $120K
NCUA form-section FS220Q (15 items)

investment portfolio detail (69%)

Mill Town Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $5.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $5.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $86K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $86K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $5.3M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $5.3M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Remaining Premiums NV0169 $750K
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $144K
RBC Total Equity RB0001 $13.4M
RBC Allowance for Credit Losses RB0002 $829K
RBC Total Additions RB0005 $829K
RBC Total Deductions RB0009 $443K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $13.8M
RBC Risk-Based Capital Numerator RB0012 $13.8M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $1.3M
NCUA form-section FS220R (29 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Mill Town Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $86K
RBC Schedule Total Consumer Loans RB0060 $33.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $829K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $829K
RBC Schedule Total Loans RB0079 $42.3M
RBC Total for Risk Weighting Total Loans RB0081 -$829K
RBC Total Loans 0% Weight RB0082 -$829K
RBC Schedule Total Other Assets RB0088 $1.7M
RBC Total for Risk Weighting Other Assets RB0090 $443K
RBC Other Assets 0% Weight RB0091 $443K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $59.9M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$386K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$386K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $59.9M
RBC Allowance for Credit Losses (Loans) RB0177 $829K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 16.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 1,643,403.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 64.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 7,576,470.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 61,250.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $7.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $61K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $80
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $9.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $61K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $9.2M
Total Shares SH0013 $46.5M
Total Shares and Deposits SH0018 $46.5M
NCUA form-section FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Mill Town Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1

Mill Town Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Mill Town Credit Union call report?

The Mill Town Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Mill Town Credit Union file?

Mill Town Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Mill Town Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Mill Town Credit Union is 68222.

How often does Mill Town Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Mill Town Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.