PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mobile Government Emp.

Mobile, AL · Charter 61339

NCUA · 3 branches

Q2 2026

$15.0MAssets
$3.6MLoans
$11.6MShares
$3.3MNet 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 0.72%, down 58 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (-32 bps YoY).
  • Capital: net worth / assets of 22.04%, up 209 bps from a year ago.
  • Funding: loans stand at 30.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-58 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-20 bps YoY

Efficiency Ratio (YTD, annualized)

75.89%+1,695 bps YoY

Net Worth / Assets

22.04%+209 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.50%0.75%0.56%0.72%-58 bps
Return on Equity6.51%7.01%3.56%2.60%3.24%-326 bps
Net Interest Margin3.16%3.32%2.82%2.87%2.96%-20 bps
Efficiency Ratio58.95%54.96%74.19%80.71%75.89%+1,695 bps
Growth
Asset Growth (YoY)-13.52%-13.18%-7.08%-7.35%-7.88%+564 bps
Loan Growth (YoY)-8.43%-8.84%0.59%4.72%8.06%+1,649 bps
Share Growth (YoY)-9.56%-11.81%-9.05%-9.44%-9.88%-31 bps
Asset Quality
Delinquent Loans / Loans0.32%0.26%0.19%0.13%0.00%-32 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%21.34%20.95%21.32%22.04%+209 bps
Net Worth / Assets19.96%21.34%20.95%21.32%22.04%+209 bps
Liquidity & Funding
Loans / Shares25.49%27.55%29.90%29.35%30.57%+507 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps