MOBILE GOVERNMENT EMP.
Charter #61339 · Mobile, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 638 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 21.32% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.86% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.13% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 51st — a 29-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 GOVERNMENT EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.33M | 22th pct | 51th pct |
| Members | 638 | 1th pct | 3th pct |
| Net worth ratio | 21.32% | 89th pct | 79th pct |
| Return on average assets | 0.55% | 44th pct | 39th pct |
| Net interest margin | 2.86% | 13th pct | 25th pct |
| Cost of funds | 0.98% | 57th pct | 61th pct |
| Loan-to-share | 29.35% | 9th pct | 31th pct |
| Delinquency 60+ days | 0.13% | 25th pct | 21th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | 5.93% | 94th pct | 93th pct |
| Share growth YoY | -0.58% | 22th pct | 34th pct |
| Efficiency ratio | 80.71% | 51th pct | 52th pct |
structural peer set hash: dfaa519bce0abad71044956b848c16e5… (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.