BlastPoint's Credit Union Scorecard
MOBILE EDUCATORS
Charter #61286 · AL
MOBILE EDUCATORS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Share Certificate Concentration (%): Top 2.7% in tier
- + First Mortgage Concentration (%): Top 3.2% in tier
- + Members Per Employee (MPE): Top 8.7% 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: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 0.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.2% in tier
- - Total Loans: Bottom 0.3% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,012
-3.9% YoY-1.6% QoQ
|
-7.1K |
15,145
-2.5% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$113.0M
+3.5% YoY+2.3% QoQ
|
$-118.7M |
$231.7M
+0.8% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.1% in tier |
| Loans |
$13.7M
-10.9% YoY-2.3% QoQ
|
$-130.4M |
$144.1M
+0.2% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.2% in tier |
| Deposits |
$98.6M
+2.5% YoY+2.4% QoQ
|
$-102.6M |
$201.1M
+0.4% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.0% in tier |
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| ROA |
1.4%
+26.9% YoY+9.3% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Top 14.8% in tier |
| NIM |
3.1%
+8.0% YoY+2.6% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
65.7%
-5.6% YoY-2.2% QoQ
|
-12.3% |
78.0%
-1.7% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.6%
-27.6% YoY+223.1% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
13.9%
-13.1% YoY-4.5% QoQ
|
-56.5% |
70.4%
-0.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$14,017
+4.7% YoY+3.4% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
2.3%
-4.2% YoY-3.3% QoQ
|
-22.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
6.2%
-29.0% YoY-8.3% QoQ
|
-7.6% | 13.8% | 5.1% | 7.7% | 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)