State credit union · Irving, Texas · NCUA charter #68606
Mobility Credit Union
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $360.3M
- Total assets
- 20,840
- Members
- 7.8%
- Net-worth ratio
Mobility Credit Union scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $360.3M; members 20,840; net-worth ratio 7.82%; health rank #4,210 of 4,374; healthier than 4th of scored peers.
NCUA 5300 Call Report masthead
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Mobility Credit Union vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mobility Credit Union sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Mobility Credit Union diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 95.64% here, 72.20% peer average (+23.44 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.29 pp (7.82% vs 12.11%).
Mobility Credit Union: in-state Call Report ranks
- Texas health ordinal: #373 of 386.
- By total assets, Mobility Credit Union is #77 of 386 in Texas.
- Membership ranks #82 of 386 among Texas CUs with a reported count (20,840 members).
- One place up in Texas, INTOUCH (#372) ties at 54/100; one place down, Seminole Public Schools (#374) scores 53/100, 1 point lower.
How Mobility Credit Union's 5300 filing moved
Mobility Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $360.3M (2025Q4) to $358.8M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.78% → 7.82%).
This credit union's 7.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 54/100 score is built
Mobility Credit Union gives up 46 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 2.5.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 17.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.4 pts
Mobility Credit Union vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.82% | -4.29 pp |
| Delinquency Rate | 1.40% | +0.50 pp |
| Return on Assets | -0.83% | -1.45 pp |
| Member Growth | -6.76% | - |
| Loan-to-Share Ratio | 95.64% | +23.44 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Mobility Credit Union
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $358.8M | - |
| 2025Q4 | $360.3M | 20,840 |
| 2024Q4 | $373.7M | 22,352 |
| 2023Q4 | $376.9M | 21,392 |
Credit Union Details
- Charter Number
- 68606
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Irving
- Data Quarter
- 2025Q4
Branch Locations (3)
Mobility Credit Union operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Irving, TX |
| Celina | Celina, TX |
| Mid-Cities | Hurst, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Mobility Credit Union
Using this data
- Mobility Credit Union ranks #4,210 of 4,374 nationally on financial health and #373 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Basin is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Basin
Frequently Asked Questions
Is Mobility Credit Union financially healthy?
Mobility Credit Union has a financial health score of 54/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,210 of 4,374 nationally on health and #373 of 386 in Texas. Its net worth ratio is 7.82% and its delinquency rate 1.40%.
How does Mobility Credit Union compare to other credit unions?
Mobility Credit Union scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.64% vs 72.20%). Its widest shortfall is net worth ratio (7.82% vs 12.11%).
How can I join Mobility Credit Union?
Membership eligibility for Mobility Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mobility Credit Union directly for current membership requirements and application steps.
Is my money safe at Mobility Credit Union?
Mobility Credit Union is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mobility Credit Union's net worth ratio of 7.82% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.