State credit union · Mobile, Alabama · NCUA charter #61339
Mobile Government Emp.
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $15.5M
- Total assets
- 650
- Members
- 21.3%
- Net-worth ratio
Mobile Government Emp. scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.5M; members 650; net-worth ratio 21.32%; health rank #3,231 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,231 of 4,374 health · 2025Q4Mobile Government Emp. · health 75/100 · $15.5M · 2025Q4
Call Report peers
Mobile Government Emp. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mobile Government Emp. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mobile Government Emp. sits in 75-79 with 502 others.
75 24th percentile higher than 24% 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 Government Emp.: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +6.46 pp (21.32% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 29.90% vs peer 59.80% (-29.90 pp).
Mobile Government Emp.: in-state Call Report ranks
- Alabama health ordinal: #66 of 89.
- By total assets, Mobile Government Emp. is #65 of 89 in Alabama.
- Alabama membership ordinal: #82 of 89.
- One place up in Alabama, ECO (#65) scores 76/100, 1 point higher; one place down, Azalea City (#67) ties at 75/100.
Mobile Government Emp. Call Report trajectory
Mobile Government Emp.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $15.5M (2025Q4) to $15.3M (2026Q1).
- Net-worth ratio shifted +0.37 pp (20.95% → 21.32%).
This credit union's 21.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Mobile Government Emp. gives up 25 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.1 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 8.3 pts
Call Report ratios for Mobile Government Emp.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.32% | +6.46 pp |
| Delinquency Rate | 0.19% | -0.96 pp |
| Return on Assets | 0.11% | -0.60 pp |
| Member Growth | -3.56% | - |
| Loan-to-Share Ratio | 29.90% | -29.90 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Mobile Government Emp. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.3M | - |
| 2025Q4 | $15.5M | 650 |
| 2024Q4 | $16.7M | 674 |
| 2023Q4 | $20.9M | 714 |
Credit Union Details
- Charter Number
- 61339
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Mobile
- Data Quarter
- 2025Q4
Branch Locations (3)
Mobile Government Emp. operates 3 offices across 3 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MOBILE GOVERNMENT EMPLOYEES CU (Main Office) | Mobile, AL |
| Fiserv ONCU | Flint, MI |
| Fiserv CUSA | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Mobile Government Emp. nationwide neighbourhoods
Using this data
- Mobile Government Emp. ranks #3,231 of 4,374 nationally on financial health and #66 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mobile Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mobile Postal
Frequently Asked Questions
Is Mobile Government Emp. financially healthy?
Mobile Government Emp. has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,231 of 4,374 nationally on health and #66 of 89 in Alabama. Its net worth ratio is 21.32% and its delinquency rate 0.19%.
How does Mobile Government Emp. compare to other credit unions?
Mobile Government Emp. scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (21.32% vs 14.86%). Its widest shortfall is loan-to-share ratio (29.90% vs 59.80%).
How can I join Mobile Government Emp.?
Membership eligibility for Mobile Government Emp. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mobile Government Emp. directly for current membership requirements and application steps.
Is my money safe at Mobile Government Emp.?
Mobile Government Emp. 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 Government Emp.'s net worth ratio of 21.32% 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.