BlastPoint's Credit Union Scorecard

MOBILITY CREDIT UNION

Charter #68606 · TX

100M-500M

1069 CUs in 100M-500M nationally 79 in TX

MOBILITY CREDIT UNION has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Total Loans: Top 4.4% in tier
+ Loan-to-Share Ratio: Top 6.3% in tier
+ Members Per Employee (MPE): Top 8.1% in tier
+ First Mortgage Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.72% below tier average
- Delinquency rate 0.50% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	20,840 -6.8% YoY-3.7% QoQ	+5.4K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	78%
Assets	$360.3M -3.6% YoY-0.7% QoQ	+$128.4M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	83%
Loans	$316.9M -3.2% YoY-1.2% QoQ	+$169.5M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	Top 4.5% in tier
Deposits	$331.3M -4.2% YoY+1.1% QoQ	+$130.5M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Top 13.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -105.2% YoY	-0.7%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 7.5% in tier
NIM	2.7% +26.1% YoY+1.9% QoQ	-0.9%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Bottom 8.9% in tier
Efficiency Ratio	67.2% -12.0% YoY+0.4% QoQ	-9.8%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	19%
Delinquency Rate	1.4% +44.7% YoY+27.1% QoQ	+0.5	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	84%
Loan To Share	95.6% +1.0% YoY-2.2% QoQ	+23.4%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 6.4% in tier
AMR	$31,102 +3.3% YoY+3.8% QoQ	+$6K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	85%
CD Concentration	47.5% -7.4% YoY-3.3% QoQ	+23.0%	24.4%	21.2%	19.8%	50%
Indirect Auto %	48.6% -5.0% YoY-2.0% QoQ	+34.9%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#197 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.25%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.1K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#38 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.22%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.40%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#87 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#46 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $360.26M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -6.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.22%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Credit Quality Pressure

risk

#154 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.43% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#183 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -3.60%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 48.65%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -6.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Strain

risk

#165 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.64%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -3.22%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $316.85M

Peer Median: -

#48 of 1069 Top 4.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.64%

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 473.636

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.63%

Peer Median: -

#99 of 1069 Top 9.2% in 100M-500M tier

112

Loan-to-Member Ratio (LMR)

engagement

Value: $15,204

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

143

Total Deposits

balance_sheet

Value: $331.31M

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

165

Average Member Relationship (AMR)

engagement

Value: $31,102

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

178

Total Assets

balance_sheet

Value: $360.26M

Peer Median: -

#178 of 1069 Top 16.6% in 100M-500M tier

202

Efficiency Ratio

profitability

Value: 67.21%

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

235

Total Members

engagement

Value: 20,840

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

Top Weaknesses (12 metrics)

1044

Share Certificate Concentration (%)

balance_sheet

Value: 47.47%

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1040

Net Worth Ratio

risk

Value: 7.78%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1036

Fee Income Per Member

profitability

Value: $56.98

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1032

Indirect Auto Concentration (%)

balance_sheet

Value: 48.65%

Peer Median: -

#1032 of 1069 Bottom 3.6% in 100M-500M tier

1023

Asset Growth Rate

growth

Value: -3.60%

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

1023

Deposit Growth Rate

growth

Value: -4.22%

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

997

Member Growth Rate

growth

Value: -6.76%

Peer Median: -

#997 of 1069 Bottom 6.8% in 100M-500M tier

989

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

977

Net Charge-Off Rate

risk

Value: 1.12%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

974

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier