BlastPoint's Credit Union Scorecard
MOBILE GOVERNMENT EMP.
Charter #61339 · 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
|
18% |
| 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
|
42% |
| 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
|
26% |
| 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
|
41% |
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| 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
|
79% |
| 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
|
25% |
| 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
|
31% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)