Credit Union Safety Analysis
Is Mill Town Credit Union Safe? Everett, Washington
Based on its Q2 2026 NCUA 5300 call report, Mill Town Credit Union has a net worth ratio of 22.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.18%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Mill Town Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Mill Town Credit Union's net worth ratio is 22.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.46%
- Delinquency ratio (60+ days) (Q2 2026): 2.18%
- Return on assets (Q2 2026): 0.16%
- Loan-to-share ratio (Q2 2026): 92.84%
Mill Town Credit Union (NCUA charter 68222, established 1939) reported $59.9M in assets and 3,423 members for Q2 2026 from Everett, Washington. It ranks 55 of 73 credit unions in Washington by total assets. Total assets fell 4.2% from $62.5M on June 30, 2025. It has 81 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was up 0.02 percentage points from 22.44% on June 30, 2025. Used vehicle loans are its largest loan category, $20.4M of $43.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.18% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 22.54% for Q1 2026; 22.44% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.61% for Q1 2026; 2.37% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.26% for Q1 2026; -0.07% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 101.84% for Q1 2026; 97.35% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.4M
- New vehicle loans: $11.6M
- 1- to 4-family residential and other consumer real estate loans: $9.2M
- Unsecured credit card loans: $687K
- Other secured non-real estate loans and lines of credit: $626K
- Other unsecured loans and lines of credit: $572K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $59.9M | 22.46% | 2.18% | 0.16% | 92.84% |
| March 31, 2026 | $59.5M | 22.54% | 2.61% | 1.26% | 101.84% |
| December 31, 2025 | $62.1M | 22.52% | 2.28% | 0.18% | 101.67% |
| September 30, 2025 | $62.1M | 22.47% | 2.23% | -0.42% | 106.24% |
| June 30, 2025 | $62.5M | 22.44% | 2.37% | -0.07% | 97.35% |
| March 31, 2025 | $63.0M | 22.28% | 2.58% | 0.00% | 88.37% |
Add this badge to your website
Free to use. It shows Mill Town Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Mill Town Credit Union profile
Regulator records: NCUA credit union profile (charter 68222) · FFIEC NIC profile (RSSD 654298)
Frequently asked questions
Is Mill Town Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mill Town Credit Union's net worth ratio is 22.46%, above the 7% NCUA threshold for well capitalized.
Is Mill Town Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mill Town Credit Union is a federally insured credit union (NCUA charter 68222): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mill Town Credit Union's key safety ratios?
For Q2 2026, Mill Town Credit Union reports net worth 22.46%, delinquency 2.18%, ROA 0.16%, loan-to-share 92.84%.
What happens to my money if Mill Town Credit Union fails?
For Q2 2026, Mill Town Credit Union held $46.5M in shares and deposits for 3,423 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.