MOBILE POSTAL
Charter #62471 · Mobile, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.83% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.47% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.54% sits at the 97th percentile of structural peers — worth a closer look.
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 POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.96M | 27th pct | 23th pct |
| Members | 1,603 | 28th pct | 26th pct |
| Net worth ratio | 12.79% | 43th pct | 49th pct |
| Return on average assets | 0.26% | 30th pct | 20th pct |
| Net interest margin | 4.06% | 60th pct | 51th pct |
| Cost of funds | 1.83% | 86th pct | 89th pct |
| Loan-to-share | 60.97% | 56th pct | 44th pct |
| Delinquency 60+ days | 2.47% | 90th pct | 85th pct |
| Net charge-off ratio | 3.54% | 98th pct | 97th pct |
| Loan growth YoY | -7.75% | 14th pct | 10th pct |
| Share growth YoY | 1.76% | 42th pct | 38th pct |
| Efficiency ratio | 80.98% | 51th pct | 54th pct |
structural peer set hash: af2090afee63c40a75196f5fcce7a2b0… (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.