State credit union · Mobile, Alabama · NCUA charter #62471
Mobile Postal
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $17.2M
- Total assets
- 1,702
- Members
- 12.8%
- Net-worth ratio
Mobile Postal scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.2M; members 1,702; net-worth ratio 12.79%; health rank #3,820 of 4,374; healthier than 12th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,820 of 4,374 health · 2025Q4Mobile Postal · health 66/100 · $17.2M · 2025Q4
Call Report peers
Mobile Postal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mobile Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mobile Postal sits in 65-69 with 275 others.
66 12th percentile higher than 12% 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 Postal vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 64.77% here, 59.80% peer average (+4.97 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.07 pp (12.79% vs 14.86%).
Mobile Postal: in-state Call Report ranks
- Health composite ranks #78 of 89 among scored Alabama credit unions.
- Assets rank #64 of 89 inside Alabama ($17.2M reported).
- Member book place in Alabama: #62 of 89.
- One place up in Alabama, Federal Employees (#77) ties at 66/100; one place down, S R I Employees (#79) scores 64/100, 2 points lower.
Mobile Postal Call Report trajectory
Mobile Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $17.2M (2025Q4) to $17.0M (2026Q1).
- Net-worth ratio shifted +0.12 pp (12.67% → 12.79%).
At 12.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Mobile Postal gives up 34 points in total. Delinquency Rate costs the most, 15.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.3 pts
- Return on Assets 13.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.5 pts
Mobile Postal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.79% | -2.07 pp |
| Delinquency Rate | 2.51% | +1.37 pp |
| Return on Assets | 0.38% | -0.33 pp |
| Member Growth | -5.97% | - |
| Loan-to-Share Ratio | 64.77% | +4.97 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Mobile Postal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.0M | - |
| 2025Q4 | $17.2M | 1,702 |
| 2024Q4 | $16.5M | 1,810 |
| 2023Q4 | $16.3M | 1,770 |
Credit Union Details
- Charter Number
- 62471
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Mobile
- Data Quarter
- 2025Q4
Branch Location
Mobile Postal operates a single office in Mobile, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mobile Postal Employees Credit Union (Main Office) | Mobile, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Mobile Postal
Using this data
- Mobile Postal ranks #3,820 of 4,374 nationally on financial health and #78 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mobile Government Emp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mobile Government Emp.
Frequently Asked Questions
Is Mobile Postal financially healthy?
On its 2025Q4 NCUA 5300 filing, Mobile Postal scores 66/100 (Good), with a 12.79% net worth ratio and 2.51% of loans delinquent. It ranks #3,820 of 4,374 nationally on health and #78 of 89 in Alabama.
How does Mobile Postal compare to other credit unions?
Mobile Postal scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.77% vs 59.80%). Its widest shortfall is net worth ratio (12.79% vs 14.86%).
How can I join Mobile Postal?
Membership eligibility for Mobile Postal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mobile Postal directly for current membership requirements and application steps.
Is my money safe at Mobile Postal?
Mobile Postal 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 Postal's net worth ratio of 12.79% 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.