MID-STATE
Charter #6739 · Carteret, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,139 sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.32% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.14% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -1.02% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.13% sits at the 77th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MID-STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.84M | 46th pct | 33th pct |
| Members | 1,139 | 9th pct | 10th pct |
| Net worth ratio | 14.88% | 59th pct | 66th pct |
| Return on average assets | 0.21% | 27th pct | 31th pct |
| Net interest margin | 4.13% | 64th pct | 69th pct |
| Cost of funds | 1.32% | 71th pct | 85th pct |
| Loan-to-share | 29.36% | 9th pct | 33th pct |
| Delinquency 60+ days | 0.14% | 25th pct | 20th pct |
| Net charge-off ratio | -1.02% | 1th pct | 0th pct |
| Loan growth YoY | -5.84% | 25th pct | 45th pct |
| Share growth YoY | 2.53% | 50th pct | 57th pct |
| Efficiency ratio | 95.13% | 83th pct | 77th pct |
structural peer set hash: 5fb337a761fd081f148c61ed565b1bb4… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.