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Mobility Credit Union

Irving, TX · Charter 68606

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

3

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mobility Credit Union

Irving, TX · Charter 68606

NCUA · 3 branches

Q2 2026

$357.6MAssets
$315.7MLoans
$326.8MShares
$28.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.36%, up 38 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.97% of loans (-9 bps YoY).
  • Capital: net worth / assets of 8.02%, up 28 bps from a year ago.
  • Funding: loans stand at 96.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+34 bps YoY

Efficiency Ratio (YTD, annualized)

62.70%-506 bps YoY

Net Worth / Assets

8.02%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%0.03%0.04%0.05%0.36%+38 bps
Return on Equity-0.31%0.44%0.53%0.66%4.48%+479 bps
Net Interest Margin2.59%2.63%2.70%2.90%2.93%+34 bps
Efficiency Ratio67.76%66.95%67.21%65.64%62.70%-506 bps
Growth
Asset Growth (YoY)-7.29%-4.77%-3.60%-2.37%-0.84%+645 bps
Loan Growth (YoY)-7.90%-4.36%-3.22%-2.39%-1.56%+634 bps
Share Growth (YoY)-5.64%-5.12%-4.22%-2.83%-1.10%+454 bps
Asset Quality
Delinquent Loans / Loans1.07%1.10%1.40%0.96%0.97%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.74%7.71%7.78%7.82%8.02%+28 bps
Net Worth / Assets7.74%7.71%7.78%7.82%8.02%+28 bps
Liquidity & Funding
Loans / Shares97.05%97.84%95.64%95.39%96.60%-45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mobility Credit Union

Irving, TX · Charter 68606 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 3 branches

Q2 2026

$357.6MAssets
$315.7MLoans
$326.8MShares
$28.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 10 of 60).
  • Widest gap: equity / assets trails 97% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 58 of 60).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.36%

Rank 40 of 60

Net Interest Margin

2.93%

Rank 55 of 60

Efficiency Ratio

62.70%

Rank 10 of 60

Equity / Assets

8.02%

Rank 58 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.36%0.02%0.62%0.99%Beats 33%40 / 60
Return on Equity4.48%0.12%4.17%8.32%Beats 52%29 / 60
Net Interest Margin2.93%3.36%3.95%4.45%Beats 8%55 / 60
Efficiency Ratio62.70%70.09%78.52%92.77%Beats 85%10 / 60
Asset Quality
Nonperforming Loans / Loans0.97%0.25%0.82%1.91%Beats 43%35 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.02%11.15%14.35%19.86%Beats 3%58 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.02%11.15%14.35%19.86%Beats 3%58 / 60
Liquidity & Funding
Loans / Deposits96.60%51.31%60.45%81.20%92nd pctl5 / 60
Loans / Assets88.28%41.11%52.43%68.66%98th pctl1 / 60
Brokered Deposits / Depositsn/aNot reported for this institution