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Monmouth County Postal Employees

Red Bank, NJ · Charter 61872

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Monmouth County Postal Employees

Red Bank, NJ · Charter 61872

NCUA · 1 branch

Q2 2026

$21.9MAssets
$2.5MLoans
$17.3MShares
$4.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.59%, down 54 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.15% of loans (-11 bps YoY).
  • Capital: net worth / assets of 20.64%, up 68 bps from a year ago.
  • Funding: loans stand at 14.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.59%-54 bps YoY

Net Interest Margin (YTD, annualized)

2.39%+39 bps YoY

Efficiency Ratio (YTD, annualized)

124.16%+2,172 bps YoY

Net Worth / Assets

20.64%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%0.06%0.16%-0.60%-0.59%-54 bps
Return on Equity-0.25%0.28%0.76%-2.87%-2.88%-263 bps
Net Interest Margin2.00%2.14%2.22%2.27%2.39%+39 bps
Efficiency Ratio102.43%97.40%93.08%125.52%124.16%+2,172 bps
Growth
Asset Growth (YoY)-0.28%-1.94%-6.96%-6.56%-3.80%-352 bps
Loan Growth (YoY)-7.41%-10.93%-10.40%-12.70%-21.18%-1,377 bps
Share Growth (YoY)-0.26%-2.42%-8.83%-8.22%-4.62%-436 bps
Asset Quality
Delinquent Loans / Loans0.26%0.14%0.14%0.13%0.15%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.96%20.31%20.88%20.84%20.64%+68 bps
Net Worth / Assets19.96%20.31%20.88%20.84%20.64%+68 bps
Liquidity & Funding
Loans / Shares17.32%16.58%16.98%16.36%14.31%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Monmouth County Postal Employees

Red Bank, NJ · Charter 61872 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$21.9MAssets
$2.5MLoans
$17.3MShares
$4.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 24 of 158).
  • Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 149 of 158).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-0.59%

Rank 141 of 159

Net Interest Margin

2.40%

Rank 137 of 159

Efficiency Ratio

123.70%

Rank 149 of 158

Equity / Assets

20.64%

Rank 42 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.59%0.00%0.40%1.00%Beats 11%141 / 159
Return on Equity-2.88%0.04%2.43%6.24%Beats 13%138 / 159
Net Interest Margin2.40%2.79%3.84%4.44%Beats 14%137 / 159
Efficiency Ratio123.70%74.21%85.84%96.50%Beats 6%149 / 158
Asset Quality
Nonperforming Loans / Loans0.16%0.42%1.27%2.96%Beats 85%24 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.64%10.80%14.61%21.35%Beats 74%42 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.64%10.80%14.61%21.35%Beats 74%42 / 159
Liquidity & Funding
Loans / Deposits14.32%27.85%44.27%75.14%9th pctl145 / 159
Loans / Assets11.36%22.38%35.34%62.74%11th pctl141 / 159
Brokered Deposits / Depositsn/aNot reported for this institution