Federal credit union · Carteret, New Jersey · NCUA charter #6739
MID-STATE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $23.5M
- Total assets
- 1,150
- Members
- 14.9%
- Net-worth ratio
MID-STATE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.5M; members 1,150; net-worth ratio 14.88%; health rank #907 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#907 of 4,374 health · 2025Q4MID-STATE · health 91/100 · $23.5M · 2025Q4
- ROA 91/100
- ASSETS 14.9%
- MEM 0.76%
- RANK 0.70%
- PHOTO $23.5M
- BOOK 1,150
- CHARTER #907/4,374
- NCUSIF Westmoreland Water
- CAMELS 6739
Call Report peers
MID-STATE in the assets neighbourhood
MID-STATE's $23.5M assets sit next to Westmoreland Water ($23.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MID-STATE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MID-STATE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6739. See our deposit-insurance coverage note.
MID-STATE vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.76% here, 1.15% peer average (-0.38 pp).
- Loan-to-Share Ratio trails the peer set - 31.40% here, 59.80% peer average (-28.40 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where MID-STATE sits in New Jersey
- Health composite ranks #7 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #62 of 127.
- Membership ranks #82 of 127 among New Jersey CUs with a reported count (1,150 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MID-STATE: 2025Q4 → 2026Q1
MID-STATE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $23.5M (2025Q4) to $23.8M (2026Q1).
- Net-worth ratio shifted -0.19 pp (15.07% → 14.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.6 pts
MID-STATE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.88% | +0.02 pp |
| Delinquency Rate | 0.76% | -0.38 pp |
| Return on Assets | 0.70% | -0.00 pp |
| Member Growth | 34.98% | - |
| Loan-to-Share Ratio | 31.40% | -28.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
MID-STATE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.8M | - |
| 2025Q4 | $23.5M | 1,150 |
| 2024Q4 | $20.6M | 852 |
| 2023Q4 | $20.5M | 849 |
Credit Union Details
- Charter Number
- 6739
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Carteret
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for MID-STATE, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| MidState FCU (Main Office) | Carteret, NJ |
| Fiserv/Portico | Berkeley Heights, NJ |
| 1199 SEIU FCU | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for MID-STATE
MID-STATE's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- MID-STATE ranks #907 of 4,374 nationally on financial health and #7 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jersey Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jersey Central
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MID-STATE financially healthy?
MID-STATE has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #907 of 4,374; by total assets it ranks #3,040 of 4,374 nationally (same basis as /rankings/largest); and #62 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.88% and delinquency rate of 0.76%.
How does MID-STATE compare to other credit unions?
91/100 is MID-STATE's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MID-STATE?
MID-STATE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MID-STATE directly for the exact boundaries and application steps.
Is my money safe at MID-STATE?
Federal credit unions like MID-STATE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MID-STATE's net worth ratio of 14.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MID-STATE offer compared to banks?
Credit unions like MID-STATE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MID-STATE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.