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.
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NCUA 5300 Call Report Masthead
#1,345 of 4,374 health · 2025Q4Mutual Savings · health 89/100 · $240.8M · 2025Q4
Call Report peers
Mutual Savings in the assets neighbourhood
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Mutual Savings vs every NCUA-scored credit union
Mutual Savings sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in Alabama, America's First (#24) ties at 89/100; one place down, Family Security (#26) scores 88/100, 1 point lower.
Mutual Savings Call Report trajectory
Mutual Savings: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $240.8M (2025Q4) to $244.5M (2026Q1).
- Net-worth ratio shifted -0.08 pp (9.00% → 8.92%).
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
Mutual Savings gives up 11 points in total. Member Growth costs the most, 7.7 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Mutual Savings financially healthy?
Mutual Savings has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,345 of 4,374 nationally on health and #25 of 89 in Alabama. Its net worth ratio is 8.92% and its delinquency rate 0.10%.
How does Mutual Savings compare to other credit unions?
Mutual Savings scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.10% vs 0.89%). Its widest shortfall is loan-to-share ratio (68.36% vs 72.20%).
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?
Mutual Savings 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. Mutual Savings's net worth ratio of 8.92% 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.