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
Call Report peers
Mobile Educators in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Mobile Educators sits in 80-84 with 767 others.
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 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%).
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.
- One place up in Alabama, Legacy Community (#55) ties at 81/100; one place down, Lauderdale County Teachers (#57) ties at 81/100.
Mobile Educators Call Report trajectory
Mobile Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $110.4M (2025Q4) to $113.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (12.77% → 12.82%).
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
Mobile Educators gives up 19 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Mobile Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, Mobile Educators scores 81/100 (Excellent), with a 12.82% net worth ratio and 0.20% of loans delinquent. It ranks #2,584 of 4,374 nationally on health and #56 of 89 in Alabama.
How does Mobile Educators compare to other credit unions?
Mobile Educators scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.82% vs 12.11%). Its widest shortfall is loan-to-share ratio (14.59% vs 72.20%).
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?
Mobile Educators is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.