# MOBILITY CREDIT UNION
Irving, TX · NCUA charter 68606 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mobility-credit-union-68606

Who the members are: state charter, organized 1965. 20,838 members of 2,000,000 potential (1.0% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $358.8M |
| Members | 20,838 (-5.5% YoY) |
| Full-time staff | 43 |
| Net worth | $28.1M |
| Net worth ratio | 7.8% (p2 of band) |
| ROA (annualized) | 0.05% (p9 of band) |
| Total delinquency | 0.96% (p77 of band) |
| Net charge-offs (annualized) | 0.99% (p87 of band) |
| Loans / shares | 95% (p95 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.90% (p13 of band) |
| Operating expense / assets | 2.14% (p5 of band) |
| Vehicles % of loans | 64% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 720% (p100 of band) |
| Vehicle delinquency | 0.81% (p67 of band) |
| Vehicle NCO | 1.50% (p84 of band) |
| Repossessed % of vehicle book | 0.34% (p92 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 25% |
| Certificates % of member funds | 47% |
| Average share balance | $10,533 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $27,330 |
| Loans granted, annualized | $125.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (8.6% of net worth), $1.0M sold and retained. Sold in 2 and bought in 5 of the last 8 quarters. Shares -2.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | thin capital |
| 2016-09 | 3 | thin capital |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 3 |  | losing money |
| 2017-06 | 4 | loans>95% of shares, leaning on borrowings | net worth falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | leaning on borrowings |
| 2018-12 | 4 | auto monoline |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 6 | delinquency 2x band, leaning on borrowings |  |
| 2019-12 | 5 |  | leaning on borrowings |
| 2020-03 | 6 | delinquency rising |  |
| 2020-06 | 5 | net worth falling | delinquency 2x band, delinquency rising |
| 2020-09 | 5 | delinquency 2x band | net worth falling |
| 2020-12 | 6 | leaning on borrowings |  |
| 2021-03 | 5 | net worth falling | delinquency 2x band, leaning on borrowings |
| 2021-06 | 5 | charge-offs p90 | net worth falling |
| 2021-09 | 4 |  | charge-offs p90 |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | thin capital |
| 2022-06 | 5 | thin capital, leaning on borrowings |  |
| 2022-09 | 6 | net worth falling |  |
| 2022-12 | 7 | delinquency rising |  |
| 2023-03 | 6 | margin squeeze | leaning on borrowings, delinquency rising |
| 2023-06 | 6 | repo signal | net worth falling |
| 2023-09 | 7 | delinquency rising |  |
| 2023-12 | 9 | delinquency 2x band, members leaving |  |
| 2024-03 | 9 | losing money, charge-offs p90 | margin squeeze, delinquency 2x band |
| 2024-06 | 10 | net worth falling, delinquency 2x band | members leaving |
| 2024-09 | 9 |  | net worth falling |
| 2024-12 | 5 |  | loans>95% of shares, repo signal, delinquency rising, delinquency 2x band |
| 2025-03 | 5 | assets shrinking | charge-offs p90 |
| 2025-06 | 8 | charge-offs p90, repo signal, loans>95% of shares |  |
| 2025-09 | 7 |  | losing money |
| 2025-12 | 7 | members leaving | repo signal |
| 2026-03 | 5 |  | assets shrinking, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-28 [CELINA CHAMBER AWARDS | Terramania | Celina, TX - City Lifestyle](https://news.google.com/rss/articles/CBMikwFBVV95cUxQOTJ3QWhWMnBxZzlRWElTT0RqYVpwb3JEM1JmVlhvd0tIcU9KQ0VwOXBXZU5SYWZiUVNwR25QbmRmSkhfRkNyZmhrME9nVTVnWjB3N2FnUDhXLVdHR21XY3ljY0xJX0Z3aVA1X0JhbEhtczBtTE5RRFpZVG9jMUx4bmo3SzJSakVYeDdZUTNXR3gtQkk?oc=5) · City Lifestyle
- 2026-02-13 [Brandon David Lister Obituary (2026) - Coppell, TX - Stewart Family Funeral Home - Tyler - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMDlxY3pnMGg2R2kteVlScVJ4bllGanh4TGlRdk5zaVBwZ3pfQ21PUjJ3NW1nZU1aQWl6aWduV3JETEEtTlJjUDZULTQ2Vy1lQl9OOUlNRUhkZFpqNXJpVk5pREI5N05RLTIxTHdTOHRXQm1Ed3VPSl9CZkVvVi1uc09rUQ?oc=5) · legacy.com
- 2026-01-02 [Here are the new restaurants, shops expected to open in Lubbock 2026 - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOXzNkSXVjQ1RKZ2VjX2ZfaDJIS0F5TVVZbGlMd0k5WFUzSUVGdHVVS3VDWjVUMHVOdVhDVDUzZ29QRXZkMkU2N2NXNk9fbmdjMmV2RTFSaWJGVncwdE5FaDltSHlnM29ac3FLNV9PWkViLUhVTWV4VElGM1hUMVVwRVg1cVd5Q1ZNS0szQkdXMk5CZWM5eVMtWWN2VWo4U2w3NThjMzFILXhCcV9iNUt4aXdkNzFJX0djQmZJNzFDWENLNm1lWVRiRVZ5a3ZCcG5rd0hGM1NWM1RSMFdxd0Fhb3NqYUtRdE9za3lz?oc=5) · Lubbock Avalanche-Journal
- 2026-01-28 [$1.8M AT&T Mobility Services class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNR3VPZUFaU1c5bkdwUkkwdklrN2x4S0J0Um9GbGYySmoxYVZZSFVLdlFoaS1RQkJBbEpVT3ZpZU05SGVIdzEtV1hIVVhxcDNxUVd2TXFGY01mQXRKUEN5OTlLdS1oLS1XSjlXSW9rcmllUTljX0plWVJHclA3SGpIU1FuWjc1Qnk2cW1mY1VYYjVUN000clhpYldmTjN5WXk0c1I0WHhIT1RJTWkyX2F4LVFTdUR1WnAyR24zTXgwNkVndw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68606 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/62.json (key "68606", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68606
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide