BlastPoint's Credit Union Scorecard
MOBILE GOVERNMENT EMP.
Charter #61339 · AL
MOBILE GOVERNMENT EMP. has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Average Member Relationship (AMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
- - Deposit Growth Rate: Bottom 7.5% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
- - Asset Growth Rate: Bottom 8.4% in tier
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
638
-3.0% YoY-1.8% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$15.3M
-7.3% YoY-1.1% QoQ
|
$-14.9M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$3.5M
+4.7% YoY-3.5% QoQ
|
$-11.8M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$12.0M
-9.4% YoY-1.7% QoQ
|
$-13.8M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
0.6%
-1083.8% YoY-25.5% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
2.9%
+55.0% YoY+2.0% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
80.7%
-21.7% YoY+8.8% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.1%
-63.4% YoY-27.3% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
29.4%
+15.6% YoY-1.8% QoQ
|
-29.2% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.1% in tier |
| AMR |
$24,316
-3.6% YoY-0.3% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Top 9.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)