MUTUAL SAVINGS Credit Union Profile

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MUTUAL SAVINGS

Charter #60501 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (205) 682-1100

Fax: (205) 682-1189

Founding Date: N/A

Website: http://www.mutualsavings.org

Personnel & Operations

President: Newton, Keith

Manager: Speed, Kendall

FT Employees: 76

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: 8:30 to 5:00

Credit Union Profile Summary

MUTUAL SAVINGS is a FISCU Credit Union. With a total of 19,171 members ^[1], this institution manages approximately $241,039,994 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.89% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.59% ^[1].

Financial Snapshot

Total Assets ^[1]

$241,039,994

Total economic resources.

Total Loans ^[1]

$138,455,790

Total value of outstanding loans.

Total Deposits ^[1]

$213,466,025

Total funds deposited by members.

Members ^[1]

19,171

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

8.89%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.03%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

64.86%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.24%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -1.59%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -3.21%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2040 Valleydale Rd

Hoover, AL, 35244-2006

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by MUTUAL SAVINGS (Charter #60501).

Main Office

Valleydale Main Office

Type: Corporate Office

2040 Valleydale Rd

Hoover, AL 35244-2006

Phone: (205) 682-1100

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Alexander City

Type: Branch Office

Type: Branch Office

907 Medical Center Pkwy

Selma, AL 36701-6746

Phone: (334) 872-1733

Services: Member Services, Drive-Thru

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