Mobile Educators Credit Union
Total assets
$113.0M
▲ +3.5% YoY
Shares & deposits
$98.6M
▲ +2.5% YoY
Loans
$13.7M
▼ -10.9% YoY
Members
8,012
▼ -3.9% YoY
ROA (annualized)
1.36%
peers 0.69%
ROE (annualized)
10.61%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.4 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | -10.9% | +2.9% | -13.8 pts |
| ROA | 1.36% | 0.69% | +0.7 pts |
| ROE | 10.6% | 5.9% | +4.7 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 3150 Airport Blvd, Mobile, AL, 36606
- NCUA charter #
- 61286
- RSSD ID
- 379890
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $113.0M | $98.6M | $13.7M | $14.5M | $384K | 1.36% | 3.09% | 0.64% | 8,012 |
| Q4 2025 | $110.4M | $96.3M | $14.0M | $14.1M | $1.4M | 1.24% | 2.99% | 0.20% | 8,142 |
| Q3 2025 | $109.1M | $95.2M | $14.4M | $13.8M | $1.0M | 1.27% | 3.02% | 0.51% | 8,215 |
| Q2 2025 | $109.1M | $95.7M | $14.9M | $13.4M | $681K | 1.25% | 2.94% | 1.11% | 8,262 |
| Q1 2025 | $109.1M | $96.2M | $15.4M | $13.0M | $292K | 1.07% | 2.86% | 0.89% | 8,333 |
| Q4 2024 | $109.1M | $96.3M | $15.8M | $12.7M | $921K | 0.84% | 2.74% | 0.60% | 8,404 |
| Q3 2024 | $106.9M | $94.4M | $15.7M | $12.5M | $670K | 0.84% | 2.75% | 0.55% | 8,501 |
| Q2 2024 | $106.1M | $93.9M | $16.2M | $12.3M | $443K | 0.84% | 2.76% | 0.09% | 8,521 |
Loan mix (Q1 2026): real estate $372K · commercial $0 · consumer $12.5M · securities $71.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.62% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 78.7% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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