State credit union · MOBILE, Alabama · NCUA charter #61286
Mobile Educators
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $110.4M
- Total assets
- 8,142
- Members
- 12.8%
- Net-worth ratio
Mobile Educators scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $110.4M; members 8,142; net-worth ratio 12.82%; health rank #2,584 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,584 of 4,374 health · 2025Q4Mobile Educators · health 81/100 · $110.4M · 2025Q4
- ROA 81/100
- ASSETS 12.8%
- MEM 0.20%
- RANK 0.83%
- PHOTO $110.4M
- BOOK 8,142
- CHARTER #2,584/4,374
- NCUSIF First Eagle
- CAMELS 61286
Call Report peers
Mobile Educators in the assets neighbourhood
Mobile Educators's $110.4M assets sit next to First Eagle ($110.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mobile Educators vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Mobile Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61286: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mobile Educators vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 12.82% here, 12.11% peer average (+0.71 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -57.61 pp (14.59% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Mobile Educators
- In Alabama, health place is #56 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #33 of 89.
- Member book place in Alabama: #36 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mobile Educators Call Report trajectory
Mobile Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $110.4M (2025Q4) to $113.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (12.77% → 12.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 7.6 pts
Mobile Educators vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | +0.71 pp |
| Delinquency Rate | 0.20% | -0.69 pp |
| Return on Assets | 0.83% | +0.21 pp |
| Member Growth | -3.12% | - |
| Loan-to-Share Ratio | 14.59% | -57.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $113.0M | - |
| 2025Q4 | $110.4M | 8,142 |
| 2024Q4 | $109.1M | 8,404 |
| 2023Q4 | $108.4M | 8,627 |
Credit Union Details
- Charter Number
- 61286
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- MOBILE
- Data Quarter
- 2025Q4
Branch Locations (4)
Mobile Educators operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MOBILE, AL |
| DAPHNE | DAPHNE, AL |
| WEST MOBILE | MOBILE, AL |
| SARALAND | SARALAND, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Cross-state Call Report peers for Mobile Educators
Mobile Educators's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($110.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Mobile Educators ranks #2,584 of 4,374 nationally on financial health and #56 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VALLEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VALLEY
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Mobile Educators financially healthy?
Mobile Educators scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,584 of 4,374; by total assets it ranks #1,743 of 4,374 nationally (same basis as /rankings/largest); and #33 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.82% net worth ratio and a 0.20% delinquency rate.
How does Mobile Educators compare to other credit unions?
Mobile Educators scores 81/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Mobile Educators?
Membership eligibility for Mobile Educators depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mobile Educators directly for current membership requirements and application steps.
Is my money safe at Mobile Educators?
Federal credit unions like Mobile Educators are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mobile Educators's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mobile Educators offer compared to banks?
Credit unions like Mobile Educators are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mobile Educators directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.