State credit union · Birmingham, Alabama · NCUA charter #60501
Mutual Savings
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $240.8M
- Total assets
- 19,114
- Members
- 8.9%
- Net-worth ratio
Mutual Savings scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $240.8M; members 19,114; net-worth ratio 8.92%; health rank #1,345 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,345 of 4,374 health · 2025Q4Mutual Savings · health 89/100 · $240.8M · 2025Q4
- MEM 89/100
- RANK 8.9%
- PHOTO 0.10%
- BOOK 0.77%
- CHARTER $240.8M
- NCUSIF 19,114
- CAMELS #1,345/4,374
- HEALTH Ohio Valley Community
- NW 60501
Call Report peers
Mutual Savings in the assets neighbourhood
Mutual Savings's $240.8M assets sit next to Ohio Valley Community ($241.4M) 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.
Mutual Savings 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
89 Top 31% higher than 69% 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
Mutual Savings - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60501, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Mutual Savings diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.10% vs peer 0.89% (-0.79 pp).
- Loan-to-Share Ratio trails the peer set - 68.36% here, 72.20% peer average (-3.84 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mutual Savings in Alabama
- In Alabama, health place is #25 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #23 of 89.
- Membership ranks #22 of 89 among Alabama CUs with a reported count (19,114 members).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mutual Savings Call Report trajectory
Mutual Savings: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $240.8M (2025Q4) to $244.5M (2026Q1).
- Net-worth ratio shifted -0.08 pp (9.00% → 8.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 14.4 pts
Call Report ratios for Mutual Savings
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.92% | -3.19 pp |
| Delinquency Rate | 0.10% | -0.79 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | -0.93% | - |
| Loan-to-Share Ratio | 68.36% | -3.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Mutual Savings quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $244.5M | - |
| 2025Q4 | $240.8M | 19,114 |
| 2024Q4 | $235.8M | 19,293 |
| 2023Q4 | $228.0M | 20,859 |
Credit Union Details
- Charter Number
- 60501
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (7)
Mutual Savings operates 7 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Valleydale (Main Office) | Hoover, AL |
| Alexander City | Alexander City, AL |
| Brookwood | Brookwood, AL |
| Calera | Calera, AL |
| Clanton | Clanton, AL |
| Pelham | Pelham, AL |
| Selma | Selma, 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.
Cross-state Call Report peers for Mutual Savings
Mutual Savings's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($240.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Mutual Savings ranks #1,345 of 4,374 nationally on financial health and #25 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Mcclellan is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Mcclellan
- 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 Mutual Savings financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Mutual Savings's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,345 of 4,374; by total assets it ranks #1,167 of 4,374 nationally (same basis as /rankings/largest); and #23 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.92% net worth ratio and 0.10% delinquency rate are the key drivers.
How does Mutual Savings compare to other credit unions?
Mutual Savings scores 89/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Mutual Savings?
Membership eligibility for Mutual Savings depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mutual Savings directly for current membership requirements and application steps.
Is my money safe at Mutual Savings?
Federal credit unions like Mutual Savings 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. Mutual Savings's net worth ratio of 8.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mutual Savings offer compared to banks?
Credit unions like Mutual Savings 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 Mutual Savings 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.