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
- RANK 75/100
- PHOTO 21.3%
- BOOK 0.19%
- CHARTER 0.11%
- NCUSIF $15.5M
- CAMELS 650
- HEALTH #3,231/4,374
- NW Scott Associates
- DELQ 61339
Call Report peers
Mobile Government Emp. in the assets neighbourhood
Mobile Government Emp.'s $15.5M assets sit next to Scott Associates ($15.5M) 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 Government Emp. 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
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. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61339 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Government Emp. Call Report trajectory
Mobile Government Emp.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $15.5M (2025Q4) to $15.3M (2026Q1).
- Net-worth ratio shifted +0.37 pp (20.95% → 21.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Mobile Government Emp.'s nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- 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 Government Emp. financially healthy?
Mobile Government Emp. has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,231 of 4,374; by total assets it ranks #3,311 of 4,374 nationally (same basis as /rankings/largest); and #65 of 89 within Alabama. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.32% and delinquency rate of 0.19%.
How does Mobile Government Emp. compare to other credit unions?
Five weighted metrics from NCUA filings produce Mobile Government Emp.'s 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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.?
Federal credit unions like Mobile Government Emp. 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 Government Emp.'s net worth ratio of 21.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mobile Government Emp. offer compared to banks?
Credit unions like Mobile Government Emp. 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 Government Emp. 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.