MOBILE EDUCATORS
Charter #61286 · MOBILE, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,012 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.68% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 90th — a 81-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MOBILE EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $112.99M | 9th pct | 90th pct |
| Members | 8,012 | 18th pct | 89th pct |
| Net worth ratio | 12.82% | 67th pct | 41th pct |
| Return on average assets | 1.38% | 85th pct | 70th pct |
| Net interest margin | 3.12% | 20th pct | 36th pct |
| Cost of funds | 0.21% | 10th pct | 20th pct |
| Loan-to-share | 13.92% | 0th pct | 3th pct |
| Delinquency 60+ days | 0.64% | 54th pct | 64th pct |
| Net charge-off ratio | 0.10% | 19th pct | 49th pct |
| Loan growth YoY | -4.67% | 7th pct | 52th pct |
| Share growth YoY | 3.60% | 52th pct | 51th pct |
| Efficiency ratio | 65.68% | 17th pct | 25th pct |
structural peer set hash: cb94db2bcd75d13d59dc758d86335123… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.