Mobile Postal
Mobile, AL · Charter 62471 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$16.7MAssets
$8.7MLoans
$14.5MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets (rank 550 of 1683).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets (rank 1541 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.54%
Rank 1,083 of 1,683
Net Interest Margin
4.16%
Rank 550 of 1,683
Efficiency Ratio
72.73%
Rank 575 of 1,682
Equity / Assets
13.19%
Rank 784 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,083 / 1,683 | |
| Return on Equity | 4.09% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,078 / 1,681 | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 550 / 1,683 | |
| Efficiency Ratio | 72.73% | 68.91% | 78.20% | 86.93% | Beats 66% | 575 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.86% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,541 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.19% | 10.44% | 12.89% | 16.53% | Beats 53% | 784 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.19% | 10.44% | 12.89% | 16.53% | Beats 53% | 784 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.08% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,100 / 1,683 | |
| Loans / Assets | 52.09% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,057 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |