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Credit union call report ยท Mobile, AL

Mobile Educators Credit Union Call Report

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Mobile Educators Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 245 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Mobile Educators Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number61286
Federal Reserve RSSD ID379890

The official copy: search charter number 61286 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Mobile Educators Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Mobile Educators Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $1.4M
1c. Total Cash on Hand 730A $1.4M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $22.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $43
2. Cash on Deposit (total) 730B $22.1M
3. Time Deposits in Banks and Credit Unions AS0007 $63.5M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $87.0M
8. Available-for-Sale Debt Securities AS0067 $4.8M
11. TOTAL INVESTMENT SECURITIES AS0013 $4.8M
12b. Perpetual Contributed Capital 769B $1.1M
12c. All Other Investments AS0016 $2.8M
13. TOTAL OTHER INVESTMENTS AS0017 $3.9M
15a. Number of Total Loans and Leases 025A 1,698
15b. Total Loans and Leases 025B $13.1M
17. ACL on Loans and Leases AS0048 $128K
19. Land and Building 007 $2.9M
20. Other Fixed Assets 008 $126K
21. NCUA Share Insurance Capitalization Deposit 794 $944K
22d. Accrued Interest on Loans 009A $32K
22e. Accrued Interest on Investments 009B $143K
22f. All Other Assets 009C $413K
22g. Total Other Assets AS0036 $587K
23. TOTAL ASSETS 010 $113.2M
Accounts Payable and Other Liabilities 825 $378K
Member Shares of All Types 013 $98.2M
Total Shares and Deposits 018 $98.2M
Undivided Earnings 940 $15.0M
Total Net Worth 997 $15.0M
Net Worth Ratio 998 13.20%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $113.2M
Statement of Income and Expense (23 items)
Mobile Educators Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $362K
3. Income from Investments 120 $1.6M
5. TOTAL INTEREST INCOME 115 $1.9M
6. Dividends on Shares 380 $105K
7. Interest on Deposits 381 $33K
9. TOTAL INTEREST EXPENSE 350 $138K
10. NET INTEREST INCOME IS0010 $1.8M
12a. Credit Loss Expense - Loans and Leases IS0011 $2K
12e. Total Credit Loss Expense IS0017 $2K
13. Fee Income 131 $299K
22. Other Non-Operating Income 440 $196K
23. TOTAL NON-INTEREST INCOME 117 $495K
24. Employee Compensation and Benefits 210 $604K
25. Travel and Conference 230 $5K
26. Office Occupancy 250 $156K
27. Office Operations 260 $315K
28. Educational and Promotional 270 $8K
29. Loan Servicing 280 $74K
30. Professional and Outside Services 290 $236K
32. Operating Fees 320 $9K
33. Miscellaneous Operating Expense 360 $42K
34. TOTAL NON-INTEREST EXPENSE 671 $1.5M
35. NET INCOME 661A $852K
Statement pages - all other filed accounts (21 items)

delinquency (21%), credit cards (21%)

Mobile Educators Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $27K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $40K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $51K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $4K
Loans Granted Year-to-Date 031A $99
Amount of Loans Granted Year-to-Date 031B $2.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $98K
Number of current members (not number of accounts) 083 7,311
Number of potential members 084 719,200
Interest Rate of Unsecured Credit Card Loans 521 1,000.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,000.00%
Interest Rate of New Vehicle Loans 523 449.00%
Interest Rate of Used Vehicle Loans 524 449.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $6K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2K
Amount of Regular Shares 657 $70.4M
Amount of Share Drafts 902 $24.7M
IRA/KEOGH Accounts - < 1 Year 906A $1.0M
Share Certificates - < 1 Year 908A $1.8M
Total Amount of Share Certificates 908C $2.1M
Number of Used Vehicle Loans 968 320
NCUA form-section FS220A (21 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Mobile Educators Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $97.9M
Total Shares - 1-3 Years 013B1 $287K
Total Shares and Deposits - < 1 Year 018A $97.9M
Total Shares and Deposits - 1-3 Years 018B1 $287K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Amount of Delinquent Indirect Loans 041E $65K
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $5.5M
Amount of New Vehicle Loans 385 $5.0M
Amount of Unsecured Credit Card Loans 396 $472K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.0M
Share Certificates 451 $88
Number of Accounts for Share Drafts 452 4,109
IRA/KEOGH Accounts 453 $76
Number of Accounts for Regular Shares 454 7,673
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 11,946
Number of credit union employees who are Full-Time (26 hours or more) 564A 16
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Number of Outstanding Indirect Loans 617A 58
Total Amount of Outstanding Indirect Loans 618A $966K
Total credit lines 881 $4.3M
NCUA form-section FS220B (19 items)

maturity and repricing buckets (40%), credit cards (17%)

Mobile Educators Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $7K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.9M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $96.2M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $70.4M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $437
Amount of Share Drafts - < 1 Year 902A $24.7M
Total Amount of IRA/KEOGH Accounts 906C $1.0M
Share Certificates - 1-3 Years 908B1 $287K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $28K
Number of New Vehicle Loans 958 198
Total Shares 966 $12K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $111K
Number of Unsecured Credit Card Loans 993 833
Number of All Other Unsecured Loans/Lines of Credit 994 258
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 2
NCUA form-section FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Mobile Educators Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 4
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $481K
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $200K
Outstanding balance of brokered certificates of deposit and share certificates 788 $60.0M
NCUA form-section FS220D (16 items)

member services and products offered (69%), CUSO relationships (27%)

Mobile Educators Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
No Cost Bill Payer 879C2 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (2 items)

loans and leases (32%), participation loans (18%)

Mobile Educators Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Assets Pledged to Secure Borrowings 878 $276K
Total Credit Lines at Corporate Credit Unions 884 $4.3M
NCUA form-section FS220H (3 items)

student loans (43%), delinquency (27%)

Mobile Educators Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $3.2M
Total number of TDR loans outstanding 1000F $3
Total amount of TDR loans outstanding 1001F $56K
NCUA form-section FS220I (9 items)

vehicle lending (59%), delinquency (44%)

Mobile Educators Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $23K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $40K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $51K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $91K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $90
Commercial Share Accounts 643 $211K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $34K
Number of International Remittances originated Year-to-Date 928 6
NCUA form-section FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Mobile Educators Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $13.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $6K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 800.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 675.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 380.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $862K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $222K
NCUA form-section FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Mobile Educators Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $5K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $92K
Total Unfunded Commitments for Non-Commercial Loans 816T $3.2M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $1.6M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 13
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 1
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 75
NCUA form-section FS220N (7 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Mobile Educators Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $1.3M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $808K
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $2.7M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$252K
Total Liabilities LI0069 $98.5M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $32K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $113.2M
NCUA form-section FS220P (11 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Mobile Educators Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $4K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $1K
Unsecured Credit Card Loans DL0002 $7K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $7K
Amount of Consumer Loans in Non-Accrual Status DL0145 $91K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $2
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $46K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 43
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $728K
Number of Indirect Loans - All Other Loans IN0007 15
Amount of Indirect Loans - All Other Loans IN0008 $238K
NCUA form-section FS220Q (31 items)

investment portfolio detail (69%)

Mobile Educators Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Central Liquidity Facility LQ0045 $276K
Available-for-sale Amortized Cost - US Government Obligations NV0003 $997K
Available-for-sale Fair Value - US Government Obligations NV0004 $977K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $3.3M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $3.1M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $737K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $714K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $4.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $3.8M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $5.1M
Total Fair Value Available-for-Sale Debt Securities NV0084 $4.8M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $14.3M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $27.4M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $21.8M
Investment Maturity Distribution - Time Deposits - Total NV0116 $63.5M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $4.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $1.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >3-5 Years NV0143 $1.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $1.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $3.9M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $15.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $29.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $25.7M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1.1M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $72.2M
RBC Total Equity RB0001 $15.0M
RBC Allowance for Credit Losses RB0002 $128K
RBC Total Additions RB0005 $128K
RBC Total Deductions RB0009 $944K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $14.1M
RBC Risk-Based Capital Numerator RB0012 $14.1M
NCUA form-section FS220R (30 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Mobile Educators Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $8.7M
RBC Schedule Total Consumer Loans RB0060 $12.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $128K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $128K
RBC Schedule Total Loans RB0079 $13.0M
RBC Total for Risk Weighting Total Loans RB0081 -$128K
RBC Total Loans 0% Weight RB0082 -$128K
RBC Schedule Total Other Assets RB0088 $4.6M
RBC Total for Risk Weighting Other Assets RB0090 $944K
RBC Other Assets 0% Weight RB0091 $944K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $113.2M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $816K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $816K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $113.2M
RBC Allowance for Credit Losses (Loans) RB0177 $128K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 10.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 182,310.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $3
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $40K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $222K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 6,276.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 1,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $6K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $1K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $14
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $229K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1K
Total Shares SH0013 $98.2M
Total Shares and Deposits SH0018 $98.2M
NCUA form-section FS220S (1 item)

member services and products offered (29%), HMDA and entity identifiers (24%)

Mobile Educators Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1

Mobile Educators Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Mobile Educators Credit Union call report?

The Mobile Educators Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Mobile Educators Credit Union file?

Mobile Educators Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Mobile Educators Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Mobile Educators Credit Union is 61286.

How often does Mobile Educators Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Mobile Educators Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.