Federal credit union · Carteret, New Jersey · NCUA charter #6739
Mid-state
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $23.5M
- Total assets
- 1,150
- Members
- 14.1%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)59
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.06% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 0.70% | 15% |
| Member Growth | 34.98% | 15% |
| Loan-to-Share Ratio | 31.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mid-state
Mid-state is a federal credit union headquartered in Carteret, New Jersey, serving 1,150 members with $23.5M in total assets and $6.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 91/100 (Excellent), anchored by a net worth ratio of 14.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #6739 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.76% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 31.40% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.70% on net income of $165K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 34.98%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.06% 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 14.06% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.