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
- 2,938
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
2,938 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MILLS42 |
|---|---|
| Total Assets | $31.9M |
| Members | 2,938 |
| Loans Outstanding | $19.9M |
| Shares & Deposits | $28.0M |
| Net Worth | $3.7M |
| Net Worth Ratio | 11.55% |
| Loan-to-Share Ratio | 71.0% |
| Delinquency Rate | 0.03% |
| Net Income | +$53,783 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Massachusetts
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Massachusetts RankingsFrequently Asked Questions
MILLS42 is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MILLS42 has 2,938 members and a potential membership field of 100,000 people.
MILLS42's reported net worth ratio is 11.55% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MILLS42. All financial data is for informational purposes only.