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
- CAMELS 66/100
- HEALTH 12.8%
- NW 2.51%
- DELQ 0.38%
- ROA $17.2M
- ASSETS 1,702
- MEM #3,820/4,374
- RANK White County
- PHOTO 62471
Call Report peers
Mobile Postal in the assets neighbourhood
Mobile Postal's $17.2M assets sit next to White County ($17.2M) 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 Postal 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62471 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Postal Call Report trajectory
Mobile Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $17.2M (2025Q4) to $17.0M (2026Q1).
- Net-worth ratio shifted +0.12 pp (12.67% → 12.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- 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 |
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 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
Two NCUA Call Report peer sets for Mobile Postal, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
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.
- 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 Postal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mobile Postal carries a financial health score of 66/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,820 of 4,374; by total assets it ranks #3,234 of 4,374 nationally (same basis as /rankings/largest); and #64 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.79% net worth ratio and a 2.51% delinquency rate.
How does Mobile Postal compare to other credit unions?
On PlainCU's health composite, Mobile Postal lands at 66/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Mobile Postal 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 Postal's net worth ratio of 12.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mobile Postal offer compared to banks?
Credit unions like Mobile Postal 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 Postal 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.