MILLS42 Credit Union Profile

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MILLS42

Charter #12666 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (978) 328-5100

Fax: (978) 458-8933

Founding Date: N/A

Website: http://www.mills42fcu.com

Personnel & Operations

President: Fellows, Amy

Manager: Cronin, Derek

FT Employees: 5

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 43

Branches: 2

Hours: M,T 9-4 W 9-12 TR 9-7 F 9-5 S 9-12

Credit Union Profile Summary

MILLS42 is a FCU Credit Union. With a total of 2,948 members [1], this institution manages approximately $29,732,016 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.58% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.21% [1].

Financial Snapshot

Total Assets [1]
$29,732,016

Total economic resources.

Total Loans [1]
$19,909,478

Total value of outstanding loans.

Total Deposits [1]
$25,995,816

Total funds deposited by members.

Members [1]
2,948

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.58%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.91%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
76.59%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.56%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-5.21%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.57%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

83 Merrimack St

Lowell, MA, 01852

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by MILLS42 (Charter #12666).

Main Office

Mills42 FCU Main Office

Type: Corporate Office

83 Merrimack St

Lowell, MA 01852

Phone: (978) 328-5100

Services: Member Services, ATM

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