State credit union · Red Bank, New Jersey · NCUA charter #61872
Monmouth County Postal Employees
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $21.9M
- Total assets
- 1,015
- Members
- 17.9%
- Net-worth ratio
Monmouth County Postal Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61872 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Monmouth County Postal Employees - 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)100
- Earnings (ROA)14
- Member growth0
- Liquidity (loan-to-share)50
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.86% | 30% |
| Delinquency Rate | 0.14% | 25% |
| Return on Assets | -0.26% | 15% |
| Member Growth | -5.67% | 15% |
| Loan-to-Share Ratio | 16.98% | 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 | $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
What This Data Says About Monmouth County Postal Employees
Monmouth County Postal Employees is a state credit union headquartered in Red Bank, New Jersey, serving 1,015 members with $21.9M in total assets and $2.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 65/100 (Good), anchored by a net worth ratio of 17.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61872 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.14% 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 16.98% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.26% on net income of $-58067 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 -5.67%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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
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 Monmouth County Postal Employees financially healthy?
Monmouth County Postal Employees has a financial health score of 65/100 (Good) 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 17.86% and delinquency rate of 0.14%.
How does Monmouth County Postal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Monmouth County Postal Employees's 65/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like Monmouth County Postal Employees 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. Monmouth County Postal Employees's net worth ratio of 17.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Monmouth County Postal Employees offer compared to banks?
Credit unions like Monmouth County Postal Employees 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 Monmouth County Postal Employees 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.