Mobile Educators Credit Union (NCUA charter #61286) is based in Mobile, Alabama. Its Q2 2026 call report shows $113.2M in total assets and $98.2M in member shares and deposits and 4 offices.
Mobile Educators Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 26th. Funding & liquidity contributes the most (100/100, 13% loans-to-deposits, 2% uninsured); loan quality contributes the least (75/100, 0.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (76 → 84), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 76 |
| Q4 2024 | 76 |
| Q1 2025 | 76 |
| Q2 2025 | 76 |
| Q3 2025 | 83 |
| Q4 2025 | 85 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.57% |
| Q3 2024 | 11.69% |
| Q4 2024 | 11.68% |
| Q1 2025 | 11.95% |
| Q2 2025 | 12.30% |
| Q3 2025 | 12.63% |
| Q4 2025 | 12.77% |
| Q1 2026 | 12.82% |
| Q2 2026 | 13.20% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.89% |
| Q2 2025 | 1.11% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.74% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.84% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $113.2M | 13.20% | 0.74% | 1.51% | 13.4% |
| Q1 2026 | 83 | $113.0M | 12.82% | 0.64% | 1.36% | 13.9% |
| Q4 2025 | 85 | $110.4M | 12.77% | 0.20% | 1.24% | 14.6% |
| Q3 2025 | 83 | $109.1M | 12.63% | 0.51% | 1.27% | 15.1% |
| Q2 2025 | 76 | $109.1M | 12.30% | 1.11% | 1.25% | 15.6% |
| Q1 2025 | 76 | $109.1M | 11.95% | 0.89% | 1.07% | 16.0% |
| Q4 2024 | 76 | $109.1M | 11.68% | 0.60% | 0.84% | 16.4% |
| Q3 2024 | 76 | $106.9M | 11.69% | 0.55% | 0.84% | 16.7% |
| Q2 2024 | 80 | $106.1M | 11.57% | 0.09% | 0.84% | 17.2% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |
| Four Seasons Federal Credit UnionCredit union Opelika, AL | 58 out of 100, Moderate | $103.7M | 8.6% | 1.53% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |
| North Alabama Educators Credit UnionCredit union Huntsville, AL | 62 out of 100, Moderate | $142.9M | 8.0% | 0.72% | vs |
| Heritage South Credit UnionCredit union Sylacauga, AL | 63 out of 100, Moderate | $183.7M | 10.2% | 0.88% | vs |
| Riverfall Credit UnionCredit union Tuscaloosa, AL | 60 out of 100, Moderate | $193.9M | 11.9% | 1.93% | vs |
Deposit insurance
Is my money safe at Mobile Educators Credit Union?
Yes. Mobile Educators Credit Union is a federally insured credit union (NCUA charter #61286). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.0% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 13.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Mobile Educators Credit Union lists 4 offices in 3 cities. Most locations:
- Mobile, AL (2)
- Daphne, AL (1)
- Saraland, AL (1)
Identity & history
Profile
- Legal name
- Mobile Educators Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61286
- RSSD ID
- 379890
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 3150 Airport Blvd, Mobile, AL 36606
- Employees
- 17
Quick answers
Mobile Educators Credit Union: common questions
Is Mobile Educators Credit Union NCUA insured?
Yes. Mobile Educators Credit Union is a federally insured credit union (NCUA charter #61286). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Mobile Educators Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Mobile Educators Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mobile
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |