Mobile Educators
Mobile, AL · Charter 61286 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$113.2MAssets
$13.1MLoans
$98.2MShares
$15.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets (rank 172 of 1681).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1336 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.50%
Rank 240 of 1,683
Net Interest Margin
3.20%
Rank 1,336 of 1,683
Efficiency Ratio
62.91%
Rank 243 of 1,682
Equity / Assets
13.20%
Rank 783 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.35% | 0.74% | 1.18% | Beats 86% | 240 / 1,683 | | |
| Return on Equity | 11.40% | 2.67% | 5.89% | 8.74% | Beats 90% | 172 / 1,681 | | |
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,336 / 1,683 | | |
| Efficiency Ratio | 62.91% | 68.91% | 78.20% | 86.93% | Beats 86% | 243 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 46% | 917 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.20% | 10.44% | 12.89% | 16.53% | Beats 53% | 783 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.20% | 10.44% | 12.89% | 16.53% | Beats 53% | 783 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 13.36% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,672 / 1,683 | | |
| Loans / Assets | 11.58% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,667 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |