MOBILE GOVERNMENT EMP.
Charter #61339 | AL
<100M
(2596 CUs)
Micro
($0-$500M)
54 <100M in AL
MOBILE GOVERNMENT EMP. has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
- + Efficiency Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.4% YoY
- - Asset Growth Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
645
-5.4% YoY-0.3% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Bottom 17.9% in tier |
| Assets |
$15.5M
-13.2% YoY-4.5% QoQ
|
$-14.3M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
42nd in tier |
| Loans |
$3.3M
-8.8% YoY+1.1% QoQ
|
$-12.4M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$12.1M
-11.8% YoY-6.5% QoQ
|
$-13.4M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
41st in tier |
| ROA |
1.5%
+771.4% YoY+13.5% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Top 20.9% in tier |
| NIM |
3.2%
+64.8% YoY+3.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
25th in tier |
| Efficiency Ratio |
55.0%
-40.0% YoY-6.8% QoQ
|
-26.4% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
0.3%
-41.5% YoY-17.5% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
31st in tier |
| Loan To Share |
27.5%
+3.4% YoY+8.1% QoQ
|
-33.7% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.0% in tier |
| AMR |
$23,855
-6.1% YoY-4.7% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Top 10.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
188
Net Charge-Off Rate
risk
Value:
-0.02%
Peer Avg: 0.57%
#188 of 2596
Top 7.2% in <100M tier
245
Efficiency Ratio
profitability
Value:
54.96%
Peer Avg: 81.39%
#245 of 2596
Top 9.4% in <100M tier
262
Average Member Relationship (AMR)
engagement
Value:
$23,855
Peer Avg: $14,627
#262 of 2596
Top 10.1% in <100M tier
475
Net Worth Ratio
risk
Value:
21.33%
Peer Avg: 16.43%
#475 of 2596
Top 18.3% in <100M tier
543
Return on Assets (ROA)
profitability
Value:
1.46%
Peer Avg: 0.68%
#543 of 2596
Top 20.9% in <100M tier
Top Weaknesses (10 metrics)
2524
Asset Growth Rate
growth
Value:
-13.18%
Peer Avg: 1.82%
#2524 of 2596
Bottom 2.8% in <100M tier
2459
Deposit Growth Rate
growth
Value:
-11.81%
Peer Avg: 16.80%
#2459 of 2596
Bottom 5.3% in <100M tier
2417
Fee Income Per Member
profitability
Value:
$0.71
Peer Avg: $182.96
#2417 of 2596
Bottom 6.9% in <100M tier
2384
Loan-to-Share Ratio
balance_sheet
Value:
27.55%
Peer Avg: 61.23%
#2384 of 2596
Bottom 8.2% in <100M tier
2318
Members Per Employee (MPE)
engagement
Value:
161.250
Peer Avg: 365.701
#2318 of 2596
Bottom 10.7% in <100M tier
2221
AMR Growth Rate
growth
Value:
-6.09%
Peer Avg: 4.67%
#2221 of 2596
Bottom 14.5% in <100M tier
2200
Member Growth Rate
growth
Value:
-5.43%
Peer Avg: 14.92%
#2200 of 2596
Bottom 15.3% in <100M tier
2191
First Mortgage Concentration (%)
balance_sheet
Value:
35.41%
Peer Avg: 14.49%
#2191 of 2596
Bottom 15.6% in <100M tier
2129
Total Members
engagement
Value:
645
Peer Avg: 2,626
#2129 of 2596
Bottom 18.0% in <100M tier
1955
Loan Growth Rate
growth
Value:
-8.84%
Peer Avg: 59.01%
#1955 of 2596
Bottom 24.7% in <100M tier