MILLS42
Federal • Lowell, Massachusetts • Est. 1958
Quick Facts
- Charter Number
- #12666
- Type
- Federal
- Established
- 1958
- Headquarters
- Lowell, Massachusetts 01852
- Address
- 83 Merrimack St
- Branches
- 1
- ATMs
- 1
- Members
- 2,927
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,927 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MILLS42 |
|---|---|
| Total Assets | $31.2M |
| Members | 2,927 |
| Loans Outstanding | $20.5M |
| Shares & Deposits | $27.3M |
| Net Worth | $3.6M |
| Net Worth Ratio | 11.64% |
| Loan-to-Share Ratio | 75.0% |
| Delinquency Rate | 0.02% |
| Net Income | +$346,967 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Mills42 FCU
Main Office83 Merrimack St
Lowell, MA 01852
Who Can Join MILLS42?
Membership Type: Community
Membership eligibility for MILLS42 may vary. Contact the credit union directly to confirm qualification requirements.
Contact MILLS42 directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. MILLS42 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MILLS42 has 2,927 members and a potential membership field of 100,000 people.
MILLS42's net worth ratio is 11.64% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.6%, MILLS42 meets this threshold.
MILLS42 operates 1 branch location and has access to 1 ATMs. The main office is located at 83 Merrimack St, Lowell, MA 01852.
MILLS42 was established in 1958. It is a federal credit union chartered under charter number 12666. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MILLS42. All financial data is for informational purposes only.