TellerScore

Mobile Postal Credit Union is a federally insured state-chartered credit union headquartered in Mobile, Alabama, in business for about 77 years. At the end of Q2 2026 it reported $16.7M in total assets and $14.5M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Mobile Postal Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 79th. Its strongest component is funding & liquidity (100/100; 60% loans-to-deposits, 0% uninsured), and its lowest is loan quality (4/100; 2.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.19%
Loan quality4/100
Loans 60+ days delinquent ÷ total loans: 2.87%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity100/100
Loans ÷ shares: 60.1% · 0.0% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.31%

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 fell 15 points (72 → 57), mostly because the loan quality component weakened by 41 points.

TellerScore
445872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202447
Q4 202450
Q1 202557
Q2 202572
Q3 202557
Q4 202560
Q1 202657
Q2 202657
Net worth ratio
7.00%10.09%13.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.14%
Q3 202412.24%
Q4 202412.56%
Q1 202512.60%
Q2 202512.88%
Q3 202513.02%
Q4 202512.67%
Q1 202612.79%
Q2 202613.19%
Delinquent loans (60+ days)
1.64%3.06%4.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.37%
Q3 20243.55%
Q4 20244.10%
Q1 20252.98%
Q2 20251.64%
Q3 20254.48%
Q4 20252.51%
Q1 20262.47%
Q2 20262.87%
Return on assets
0.07%0.67%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.07%
Q3 20240.19%
Q4 20240.39%
Q1 20251.19%
Q2 20251.27%
Q3 20251.12%
Q4 20250.85%
Q1 20260.27%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$16.7M13.19%2.87%0.53%60.1%
Q1 202657$17.0M12.79%2.47%0.27%61.0%
Q4 202560$17.2M12.67%2.51%0.85%64.8%
Q3 202557$16.7M13.02%4.48%1.12%67.3%
Q2 202572$16.5M12.88%1.64%1.27%67.6%
Q1 202557$16.4M12.60%2.98%1.19%69.3%
Q4 202450$16.5M12.56%4.10%0.39%69.2%
Q3 202447$16.6M12.24%3.55%0.19%71.7%
Q2 202444$16.6M12.14%4.37%0.07%72.9%

2,479 peers · Under $100 million in assets

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).

Capital ratio13.19%
41st
Problem loans2.87%
14th
Net charge-offs3.26%
3rd
Return on assets0.53%
44th
Loans to deposits60.1%
48th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio11.3%
11th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Alabama Postal Federal Credit UnionCredit union Anniston, AL73 out of 100, Strong$15.6M14.1%1.06%vs
Mobile Government Emp. Credit UnionCredit union Mobile, AL90 out of 100, Very strong$15.0M22.0%0.00%vs
Federal Employees Credit UnionCredit union Birmingham, AL70 out of 100, Strong$19.7M16.6%1.67%vs
Fedmont Federal Credit UnionCredit union Montgomery, AL75 out of 100, Strong$13.0M13.4%0.52%vs
East Alabama Community Federal Credit UnionCredit union Opelika, AL84 out of 100, Strong$20.8M14.2%0.00%vs
Railway Employees Credit UnionCredit union Muscle Shoals, AL82 out of 100, Strong$21.1M22.0%0.97%vs

Deposit insurance

Is my money safe at Mobile Postal Credit Union?

Yes. Mobile Postal Credit Union is a federally insured credit union (NCUA charter #62471). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mobile Postal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mobile Postal Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62471
RSSD ID
605898
Primary regulator
State + NCUA
Established
1949
Headquarters
800 Downtowner Loop W, Mobile, AL 36609
Employees
6

Quick answers

Mobile Postal Credit Union: common questions

Is Mobile Postal Credit Union NCUA insured?

Yes. Mobile Postal Credit Union is a federally insured credit union (NCUA charter #62471). 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 Postal Credit Union's TellerScore?

57 out of 100 (Moderate), 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 Postal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mobile

InstitutionScoreAssetsCapitalProblem loansCompare
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
Blue Flame Credit UnionCredit union Mobile, AL90 out of 100, Very strong$10.7M15.4%0.00%vs
Mobile Government Emp. Credit UnionCredit union Mobile, AL90 out of 100, Very strong$15.0M22.0%0.00%vs
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs