Mobility Credit Union
Total assets
$358.8M
▼ -2.4% YoY
Shares & deposits
$329.6M
▼ -2.8% YoY
Loans
$314.4M
▼ -2.4% YoY
Members
20,838
▼ -5.5% YoY
ROA (annualized)
0.05%
peers 0.69%
ROE (annualized)
0.66%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Mobility Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +3.9% | -6.3 pts |
| Share growth (YoY) | -2.8% | +3.3% | -6.1 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | 0.05% | 0.69% | -0.6 pts |
| ROE | 0.7% | 5.9% | -5.3 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
Profile
- Established
- 1965
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 8384 N Belt Line Rd, Irving, TX, 75063
- NCUA charter #
- 68606
- RSSD ID
- 370187
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $358.8M | $329.6M | $314.4M | $28.1M | $47K | 0.05% | 2.90% | 0.96% | 20,838 |
| Q4 2025 | $360.3M | $331.3M | $316.9M | $28.0M | $147K | 0.04% | 2.70% | 1.40% | 20,840 |
| Q3 2025 | $362.9M | $327.7M | $320.6M | $28.0M | $92K | 0.03% | 2.63% | 1.10% | 21,646 |
| Q2 2025 | $360.6M | $330.5M | $320.7M | $27.9M | $-43K | -0.02% | 2.59% | 1.07% | 21,476 |
| Q1 2025 | $367.5M | $339.2M | $322.1M | $27.6M | $-303K | -0.33% | 2.43% | 0.77% | 22,046 |
| Q4 2024 | $373.7M | $345.9M | $327.4M | $28.0M | $-3.0M | -0.80% | 2.16% | 0.97% | 22,352 |
| Q3 2024 | $381.1M | $345.4M | $335.3M | $29.6M | $-1.3M | -0.46% | 2.10% | 1.36% | 22,264 |
| Q2 2024 | $389.0M | $350.2M | $348.2M | $30.1M | $-883K | -0.45% | 1.97% | 1.22% | 21,811 |
Loan mix (Q1 2026): real estate $99.4M · commercial $1.1M · consumer $205.0M · securities $9.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Mobility Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.62% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 78.7% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Mobility Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Mobility Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Mobility Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Mobility Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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