BlastPoint's Credit Union Scorecard

MOBILE EDUCATORS

Charter #61286 · AL

100M-500M

1024 CUs in 100M-500M nationally 21 in AL

MOBILE EDUCATORS has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.64% above tier average
+ First Mortgage Concentration (%): Top 2.4% in tier
+ Share Certificate Concentration (%): Top 2.5% in tier
+ AMR Growth Rate: Top 4.5% 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: -11.5% 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 1.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
Shares and deposits +2.5% year over year ($98.2M in shares and deposits).
Membership: 7,311 members, -11.5% vs a year ago.
Delinquency rate 0.74%.
Return on assets 1.51%.
Efficiency ratio 62.93% vs a 76.73% peer average.
Loan-to-share ratio 13.36% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	7,311 -11.5% YoY-8.7% QoQ	-7.9K	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	Bottom 13.7% in tier
Assets	$113.2M +3.8% YoY+0.2% QoQ	$-118.8M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	Bottom 8.7% in tier
Loans	$13.1M -11.9% YoY-4.5% QoQ	$-133.2M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	Bottom 0.2% in tier
Deposits	$98.2M +2.5% YoY-0.4% QoQ	$-102.5M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	Bottom 9.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +20.8% YoY+10.9% QoQ	+0.6%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	Top 12.5% in tier
NIM	3.2% +8.7% YoY+3.7% QoQ	-0.5%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	62.9% -5.7% YoY-4.2% QoQ	-13.8%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	Top 12.1% in tier
Delinquency Rate	0.7% -32.7% YoY+15.4% QoQ	-0.1	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	53%
Loan To Share	13.4% -14.1% YoY-4.0% QoQ	-58.2%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	Bottom 0.1% in tier
AMR	$15,220 +13.7% YoY+8.6% QoQ	$-10K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	Bottom 9.8% in tier
CD Concentration	2.1% -13.4% YoY-7.6% QoQ	-22.5%	24.6%	21.8%	20.0%	50%
Indirect Auto %	5.5% -32.1% YoY-11.1% QoQ	-8.1%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#58 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.68%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#16 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -11.93%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.74%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#29 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#34 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $113.24M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -11.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -11.93%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 1.70%

Peer Median: 29.92%

#26 of 1024 Top 2.4% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 2.10%

Peer Median: 23.39%

#27 of 1024 Top 2.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.68%

Peer Median: 3.53%

#47 of 1024 Top 4.5% in 100M-500M tier

118

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.34%

#118 of 1024 Top 11.4% in 100M-500M tier

125

Efficiency Ratio

profitability

Value: 62.93%

Peer Median: 77.26%

#125 of 1024 Top 12.1% in 100M-500M tier

128

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Median: 0.75%

#128 of 1024 Top 12.4% in 100M-500M tier

140

Members Per Employee (MPE)

engagement

Value: 430.059

Peer Median: 310.924

#140 of 1024 Top 13.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1023

Loan-to-Share Ratio

balance_sheet

Value: 13.36%

Peer Median: 73.07%

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1023

Loan-to-Member Ratio (LMR)

engagement

Value: $1,794

Peer Median: $9,434

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1022

Total Loans

balance_sheet

Value: $13.11M

Peer Median: $124.04M

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1009

Loan Growth Rate

growth

Value: -11.93%

Peer Median: 3.02%

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1002

Member Growth Rate

growth

Value: -11.51%

Peer Median: -0.03%

#1002 of 1024 Bottom 2.2% in 100M-500M tier

935

Total Assets

balance_sheet

Value: $113.24M

Peer Median: $196.38M

#935 of 1024 Bottom 8.8% in 100M-500M tier

930

Total Deposits

balance_sheet

Value: $98.16M

Peer Median: $170.77M

#930 of 1024 Bottom 9.3% in 100M-500M tier

924

Average Member Relationship (AMR)

engagement

Value: $15,220

Peer Median: $23,006

#924 of 1024 Bottom 9.9% in 100M-500M tier

884

Total Members

engagement

Value: 7,311

Peer Median: 13,128

#884 of 1024 Bottom 13.8% in 100M-500M tier

799

Net Interest Margin (NIM)

profitability

Value: 3.20%

Peer Median: 3.67%

#799 of 1024 Bottom 22.1% in 100M-500M tier