PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mobility Credit Union

Irving, TX · Charter 68606

NCUA · 3 branches

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.36%+38 bps YoY

Net Interest Margin (quarter, annualized)

2.93%+34 bps YoY

Efficiency Ratio (quarter, annualized)

62.70%-506 bps YoY

Net Worth / Assets

8.02%+28 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.46%-0.80%-0.33%-0.02%0.03%0.04%0.05%0.36%+38 bps
Return on Equity-5.91%-10.66%-4.38%-0.31%0.44%0.53%0.66%4.48%+479 bps
Net Interest Margin2.10%2.16%2.43%2.59%2.63%2.70%2.90%2.93%+34 bps
Efficiency Ratio74.49%76.36%74.26%67.76%66.95%67.21%65.64%62.70%-506 bps
Growth
Asset Growth (YoY)-0.06%-0.86%-4.39%-7.29%-4.77%-3.60%-2.37%-0.84%+645 bps
Loan Growth (YoY)-7.00%-7.11%-7.68%-7.90%-4.36%-3.22%-2.39%-1.56%+634 bps
Share Growth (YoY)1.24%0.40%-4.25%-5.64%-5.12%-4.22%-2.83%-1.10%+454 bps
Asset Quality
Delinquent Loans / Loans1.36%0.97%0.77%1.07%1.10%1.40%0.96%0.97%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.77%7.48%7.52%7.74%7.71%7.78%7.82%8.02%+28 bps
Net Worth / Assets7.77%7.48%7.52%7.74%7.71%7.78%7.82%8.02%+28 bps
Liquidity & Funding
Loans / Shares97.07%94.65%94.96%97.05%97.84%95.64%95.39%96.60%-45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps