State credit union · Red Bank, New Jersey · NCUA charter #61872
Monmouth County Postal Employees
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $21.9M
- Total assets
- 1,015
- Members
- 20.8%
- Net-worth ratio
Monmouth County Postal Employees scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.9M; members 1,015; net-worth ratio 20.84%; health rank #3,858 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,858 of 4,374 health · 2025Q4Monmouth County Postal · health 65/100 · $21.9M · 2025Q4
Call Report peers
Monmouth County Postal Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Monmouth County Postal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Monmouth County Postal Employees sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Monmouth County Postal Employees diverges from peer averages
- Net Worth Ratio leads the peer set - 20.84% here, 14.86% peer average (+5.98 pp).
- Largest lag: Loan-to-Share Ratio at 16.98% vs peer 59.80% (-42.82 pp).
Monmouth County Postal Employees: in-state Call Report ranks
- In New Jersey, health place is #100 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #63 of 127.
- Member book place in New Jersey: #87 of 127.
- One place up in New Jersey, TERMINALS (#99) ties at 65/100; one place down, RIEGEL (#101) ties at 65/100.
Monmouth County Postal Employees Call Report trajectory
Monmouth County Postal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $21.9M (2025Q4) to $21.8M (2026Q1).
- Net-worth ratio shifted -0.04 pp (20.88% → 20.84%).
This credit union's 20.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Monmouth County Postal Employees gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.9 pts
Monmouth County Postal Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.84% | +5.98 pp |
| Delinquency Rate | 0.14% | -1.00 pp |
| Return on Assets | -0.26% | -0.97 pp |
| Member Growth | -5.67% | - |
| Loan-to-Share Ratio | 16.98% | -42.82 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Monmouth County Postal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.8M | - |
| 2025Q4 | $21.9M | 1,015 |
| 2024Q4 | $23.6M | 1,076 |
| 2023Q4 | $23.2M | 1,116 |
Credit Union Details
- Charter Number
- 61872
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Red Bank
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Monmouth County Postal Employees runs one office.
| Office | City |
|---|---|
| MCPECU (Main Office) | Red Bank, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
- ESSEX COUNTY TEACHERSBLOOMFIELD, NJ · $10M–$50M69Health
- L'OREAL USAMountainside, NJ · $10M–$50M67Health
- MID-STATECarteret, NJ · $10M–$50M91Health
- EAST ORANGE VA HOSPITALEast Orange, NJ · $10M–$50M75Health
- JERSEY CENTRALCRANFORD, NJ · $10M–$50M63Health
Compare Monmouth County Postal Employees vs ESSEX COUNTY TEACHERS
Cross-state Call Report peers for Monmouth County Postal
Similar total assets
Using this data
- Monmouth County Postal Employees ranks #3,858 of 4,374 nationally on financial health and #100 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Essex County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Essex County Teachers
Frequently Asked Questions
Is Monmouth County Postal Employees financially healthy?
Monmouth County Postal Employees has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,858 of 4,374 nationally on health and #100 of 127 in New Jersey. Its net worth ratio is 20.84% and its delinquency rate 0.14%.
How does Monmouth County Postal Employees compare to other credit unions?
Monmouth County Postal Employees scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.84% vs 14.86%). Its widest shortfall is loan-to-share ratio (16.98% vs 59.80%).
How can I join Monmouth County Postal Employees?
Membership eligibility for Monmouth County Postal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Monmouth County Postal Employees directly for current membership requirements and application steps.
Is my money safe at Monmouth County Postal Employees?
Monmouth County Postal Employees is a state-chartered 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. Monmouth County Postal Employees's net worth ratio of 20.84% 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.