Carteret, New Jersey · Peer group 3
Mid-State Credit Union
Mid-State Credit Union holds $23.8M in assets across 1,139 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1950. Charter number 6739, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $23.8M |
|---|---|
| Total loans | $5.7M |
| Total shares (deposits) | $19.6M |
| Net worth | $3.5M |
| Members | 1,139 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.7% | |
|---|---|---|
| Loans | -13.3% | lower than 90% of its peer group |
| Deposits | 1.8% | around the 53rd percentile of its peer group |
| Members | -4.4% | around the 20th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 29.4% | lower than 91% of its peer group |
|---|---|---|
| Net worth ratio | 14.9% | around the 59th percentile of its peer group |
| Return on assets | 0.21% | around the 27th percentile of its peer group |
| Delinquency ratio | 0.14% | around the 25th percentile of its peer group |
| Cash / assets | 11.4% | around the 51st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Mid-State Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- Jersey Central Credit Union
CRANFORD, NJ
$24.2M · 4,031 members
- New Brunswick Postal Credit Union
New Brunswick, NJ
$24.5M · 3,084 members
- First Point Credit Union
HAMILTON, NJ
$25.2M · 1,186 members
- Monmouth County Postal Employees Credit Union
Red Bank, NJ
$21.8M · 1,002 members
- Essex County Teachers Credit Union
BLOOMFIELD, NJ
$21.8M · 3,542 members
- L'oreal USA Credit Union
Clark, NJ
$21.1M · 1,673 members
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