TellerScore

Mid-State Federal Credit Union (NCUA charter #6739) is based in Carteret, New Jersey. Its Q2 2026 call report shows $23.4M in total assets and $19.3M in member shares and deposits and 2 offices.

Mid-State Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 35th. Capital cushion contributes the most (100/100, 15.55%); loan quality contributes the least (40/100, 1.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.55%
Loan quality40/100
Loans 60+ days delinquent ÷ total loans: 1.81%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity100/100
Loans ÷ shares: 30.3% · 1.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (82 → 75), mostly because the loan quality component weakened by 44 points.

TellerScore
627689Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202462
Q4 202488
Q1 202589
Q2 202582
Q3 202587
Q4 202584
Q1 202684
Q2 202675
Net worth ratio
7.00%11.28%15.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.25%
Q3 202414.43%
Q4 202414.64%
Q1 202515.47%
Q2 202514.50%
Q3 202514.90%
Q4 202515.07%
Q1 202614.88%
Q2 202615.55%
Delinquent loans (60+ days)
0.10%1.66%3.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20243.22%
Q4 20240.10%
Q1 20250.29%
Q2 20250.47%
Q3 20250.40%
Q4 20250.76%
Q1 20260.14%
Q2 20261.81%
Return on assets
0.21%0.60%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20240.81%
Q4 20240.80%
Q1 20250.90%
Q2 20250.42%
Q3 20250.80%
Q4 20250.81%
Q1 20260.21%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$23.4M15.55%1.81%0.86%30.3%
Q1 202684$23.8M14.88%0.14%0.21%29.4%
Q4 202584$23.5M15.07%0.76%0.81%31.4%
Q3 202587$23.4M14.90%0.40%0.80%32.0%
Q2 202582$23.4M14.50%0.47%0.42%34.1%
Q1 202589$23.7M15.47%0.29%0.90%34.5%
Q4 202488$20.6M14.64%0.10%0.80%37.2%
Q3 202462$20.7M14.43%3.22%0.81%39.4%
Q2 202488$20.8M14.25%0.24%1.00%40.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.55%
58th
Problem loans1.81%
24th
Net charge-offs-0.49%
98th
Return on assets0.86%
61st
Loans to deposits30.3%
89th
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio2.9%
43rd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
New Brunswick Postal Federal Credit UnionCredit union New Brunswick, NJ44 out of 100, Below average$23.9M9.1%1.93%vs
Monmouth County Postal Employees Credit UnionCredit union Red Bank, NJ79 out of 100, Strong$21.9M20.6%0.15%vs
Jersey Central Federal Credit UnionCredit union Cranford, NJ54 out of 100, Below average$24.9M16.8%3.30%vs
Essex County Teachers Federal Credit UnionCredit union Bloomfield, NJ63 out of 100, Moderate$21.8M8.0%0.19%vs
First Point Federal Credit UnionCredit union Hamilton, NJ52 out of 100, Below average$25.0M7.4%0.74%vs
East Orange VA Hospital Federal Credit UnionCredit union East Orange, NJ64 out of 100, Moderate$20.5M11.8%1.27%vs

Deposit insurance

Is my money safe at Mid-State Federal Credit Union?

Yes. Mid-State Federal Credit Union is a federally insured credit union (NCUA charter #6739). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.3% of shares and deposits ($252K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Mid-State Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Berkeley Heights, NJ (1)
  • Carteret, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Mid-State Federal Credit Union
Type
Federal credit union
NCUA charter #
6739
RSSD ID
999588
Primary regulator
NCUA
Established
1950
Headquarters
237 Roosevelt Ave, Carteret, NJ 07008
Employees
5

Quick answers

Mid-State Federal Credit Union: common questions

Is Mid-State Federal Credit Union NCUA insured?

Yes. Mid-State Federal Credit Union is a federally insured credit union (NCUA charter #6739). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mid-State Federal Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mid-State Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Carteret

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs