PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Monmouth County Postal Employees

Red Bank, NJ · Charter 61872

NCUA · 1 branch

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-0.25%-0.28%-0.05%0.06%0.16%-0.60%-0.59%-54 bps
Return on Equity-1.27%-1.28%-1.43%-0.25%0.28%0.76%-2.87%-2.88%-263 bps
Net Interest Margin1.62%1.62%1.99%2.00%2.14%2.22%2.27%2.39%+39 bps
Efficiency Ratio114.98%114.59%113.58%102.43%97.40%93.08%125.52%124.16%+2,172 bps
Growth
Asset Growth (YoY)-2.87%1.65%1.39%-0.28%-1.94%-6.96%-6.56%-3.80%-352 bps
Loan Growth (YoY)-4.59%-8.02%-6.91%-7.41%-10.93%-10.40%-12.70%-21.18%-1,377 bps
Share Growth (YoY)-3.23%2.36%1.83%-0.26%-2.42%-8.83%-8.22%-4.62%-436 bps
Asset Quality
Delinquent Loans / Loans0.00%0.15%0.00%0.26%0.14%0.14%0.13%0.15%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.94%19.28%19.40%19.96%20.31%20.88%20.84%20.64%+68 bps
Net Worth / Assets19.94%19.28%19.40%19.96%20.31%20.88%20.84%20.64%+68 bps
Liquidity & Funding
Loans / Shares18.17%17.28%17.20%17.32%16.58%16.98%16.36%14.31%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps