BlastPoint's Credit Union Scorecard
MONMOUTH COUNTY POSTAL EMPLOYEES
Charter #61872 · NJ
MONMOUTH COUNTY POSTAL EMPLOYEES faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 34.89% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Loan-to-Share Ratio: Bottom 3.5% in tier
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - Share Certificate Concentration (%): Bottom 9.4% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,002
-5.7% YoY-1.3% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$21.8M
-6.6% YoY-0.5% QoQ
|
$-8.4M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$2.8M
-12.7% YoY-4.1% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$17.3M
-8.2% YoY-0.5% QoQ
|
$-8.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
-0.6%
+116.2% YoY-483.0% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.2% in tier |
| NIM |
2.3%
+14.2% YoY+3.3% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio |
125.5%
+10.5% YoY+34.9% QoQ
|
+34.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate |
0.1%
-5.0% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
16.4%
-4.9% YoY-3.7% QoQ
|
-42.1% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.4% in tier |
| AMR |
$20,047
-3.3% YoY+0.3% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
37.4%
+8.5% YoY+1.7% QoQ
|
+13.2% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)