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
Call Report peers
MID-STATE in the assets neighbourhood
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MID-STATE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MID-STATE sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in New Jersey, New Jersey Law and Public Safety (#6) ties at 91/100; one place down, Local 1233 (#8) scores 90/100, 1 point lower.
MID-STATE: 2025Q4 → 2026Q1
MID-STATE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $23.5M (2025Q4) to $23.8M (2026Q1).
- Net-worth ratio shifted -0.19 pp (15.07% → 14.88%).
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
MID-STATE gives up 9 points in total. Loan-to-Share Ratio costs the most, 6.2 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is MID-STATE financially healthy?
On its 2025Q4 NCUA 5300 filing, MID-STATE scores 91/100 (Excellent), with a 14.88% net worth ratio and 0.76% of loans delinquent. It ranks #907 of 4,374 nationally on health and #7 of 127 in New Jersey.
How does MID-STATE compare to other credit unions?
MID-STATE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.76% vs 1.15%). Its widest shortfall is loan-to-share ratio (31.40% vs 59.80%).
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?
MID-STATE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.