BlastPoint's Credit Union Scorecard
MOBILE EDUCATORS
Charter #61286 · AL
MOBILE EDUCATORS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Share Certificate Concentration (%): Top 2.6% in tier
- + First Mortgage Concentration (%): Top 4.2% in tier
- + Members Per Employee (MPE): Top 5.5% in tier
- + Total Delinquency Rate (60+ days): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Member decline: -3.1% YoY
- - Loan-to-Share Ratio: Bottom 0.1% in tier
- - Total Loans: Bottom 0.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.2% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,142
-3.1% YoY-0.9% QoQ
|
-7.3K |
15,437
-2.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$110.4M
+1.2% YoY+1.2% QoQ
|
$-121.4M |
$231.9M
+1.3% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.0% in tier |
| Loans |
$14.0M
-10.9% YoY-2.5% QoQ
|
$-133.3M |
$147.3M
-0.1% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.1% in tier |
| Deposits |
$96.3M
-0.0% YoY+1.2% QoQ
|
$-104.5M |
$200.8M
+0.8% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.6% in tier |
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| ROA |
1.2%
+45.8% YoY-2.1% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.0%
+8.8% YoY-0.5% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
67.2%
-11.3% YoY+1.1% QoQ
|
-9.8% |
77.0%
-3.1% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.2%
-66.7% YoY-61.0% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 9.6% in tier |
| Loan To Share |
14.6%
-10.9% YoY-3.6% QoQ
|
-57.6% |
72.2%
-1.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.1% in tier |
| AMR |
$13,550
+1.6% YoY+1.6% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.9% in tier |
| CD Concentration |
2.3%
+0.5% YoY-7.0% QoQ
|
-22.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
6.8%
-26.1% YoY-3.4% QoQ
|
-7.0% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)