Mobility Credit Union

Not tax-deductible

Irving, TXMutual-benefit / member-servingSince 1965Mutual / membership EIN 75-1248359Revenue $21.9M in FY2025Latest return filed Jun 9, 2026

On file with the IRSIrving, TXTax-exempt since Jun 1976

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Providing personal financial service and value to members. These services include banking, loans, and investments.

Form 990 Part I, line 1, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 75-1248359) · Dispute this line
100¢ of each $1 spent went to programs.
Run by 9 volunteers and 52 employees.
Mission: Form 990 Part I, line 1 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
The IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
The latest return is for FY2025, 1 tax year back.
IRS e-file · Filing history
Surplus or deficit
5 of 6
filings with a surplus
Average surplus $1.5M a year · 9% of revenue · last 6 filings
A surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
100%
of spending
100% of spending went to programs.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$1.2M
to officers and key staff · 6% of spending
Pay to officers and key staff is 6% of spending.
Part VII, Section A
0.8 mo
of spending, in cash
Plus $26.0M in investments, Pt X · Ln 11–13
0.8 months of spending in cash.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$332.6M
92% of total assets
Liabilities are 92% of assets.
Pt X · Ln 26
Independent board members
7
of 7 voting members
7 of 7 voting members are independent.
Pt VI · Ln 1a–1b
Revenue
$21.9M
-0.7% vs prior year
Spent
$21.8M
To programs
100%
Net assets
$27.6M
By yearFY2020–FY2025
Revenue
$21.9M
FY2025▼ -0.7%
Tap a bar for its year
Revenue by fiscal year
FY2020$11.8M
FY2021$12.8M
FY2022$15.0M
FY2023$19.9M
FY2024$22.1M
FY2025$21.9M
Expenses
$21.8M
FY2025▼ -13%
Tap a bar for its year
Expenses by fiscal year
FY2020$9.6M
FY2021$8.2M
FY2022$10.5M
FY2023$19.4M
FY2024$25.1M
FY2025$21.8M
Net assets
$27.6M
FY2025▲ +1%
Tap a bar for its year
Net assets by fiscal year
FY2020$19.7M
FY2021$25.0M
FY2022$29.3M
FY2023$30.0M
FY2024$27.3M
FY2025$27.6M

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jun 1976.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

100 cents of each dollar spent went to programs.

Program services 100% · $21.8M

Form 990 Part IX, line 25. Every line is in By the numbers.

Something off? Claim to add context

Who runs it and what they're paid

14 people listed on the 990; $1.2M paid to officers and key staff (Part VII, Section A).

Part VII, Section A · reportable compensation
$360,174Pt VII · Sec A
$233,618Pt VII · Sec A
$149,740Pt VII · Sec A
Avp Branch Manager
$147,368Pt VII · Sec A
Branch Manager
$132,732Pt VII · Sec A
VP Marketing
$108,736Pt VII · Sec A
SVP/Controller
$105,435Pt VII · Sec A
Director
$0Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Ron Perry$360,174$382,874$340,412$327,319$297,429$273,731
Steve Martin$233,618$233,312$213,824$203,632$216,966$211,000
Chris Hutado$149,740$137,367————
Linda Howard$147,368$147,164————
Chelly Clanton$105,435$110,371$139,523$134,805——
Suzanne Behling$132,732$135,666————
Jason Sims————$116,615—
Justin Stuart$108,736$109,544————

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Mobility Credit Union executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes
  • Loans to or from officersSch L · Pt II4 listed

Programs and updates

Offers banking, loans, and investments to members for their financial well-being.

Questions for Mobility Credit Union

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Your first name shows with your question. Mobility Credit Union answers here, for everyone.

3 programs · in their own filed words · FY2025
01

Consumer Loans and Credit Cards The credit union offers consumer loans to include automobiles, recreational vehicles, equipment, and unsecured loan products to members. The credit union also offers a visa credit card to members. All loan products offer reasonable rates with different methods of payback for members.

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 75-1248359) · Dispute this line
Pt IX · Ln 25 · col B
02

Checking Accounts The credit union provides checking accounts for members to access with various features. We offer free checking , as well as accounts that pay dividends. These accounts come with free bill pay, a free debit card, access to free shared branching facilities, and surcharge free ATMs nationwide.

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 75-1248359) · Dispute this line
Pt IX · Ln 25 · col B
03

Share Accounts The credit union offers services to members of all ages. The number includes basic shares and share accounts designed for holiday and vacation savings. These accounts can be accessed by homebanking, audio repsonse, and a free debit card.

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 75-1248359) · Dispute this line
Pt IX · Ln 25 · col B

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$21.9M
Ln 12
Fees for servicesLn 2g$20.9M
Investment incomeLn 3$1.0M
Money outPt IX
$21.8M
Ln 25
Programscol B$21.8M
Owns and owesPt X
$27.6M
net assets · Ln 32
Cash and savingsLn 1–2$1.4M
Total assetsLn 16$360.2M
LiabilitiesLn 26$332.6M
PeoplePt VI, VII
14
listed · VII A
PaidVII A7
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$20.9M
Investment incomeLn 3$1.0M
Total revenueLn 12$21.9M
Assets in detailPt X, end of year
CashLn 1$1.4M
Cash and savings togetherLn 1–2$1.4M
Accounts receivableLn 4$574K
Loans to officers and key peopleLn 5$4.7M
Notes and loans receivableLn 7$310.2M
Prepaid expenses and deferred chargesLn 9$2.1M
Land, buildings, equipmentLn 10c$4.9M
InvestmentsLn 11–13$26.0M
Other assetsLn 15$10.4M
Total assetsLn 16$360.2M
LiabilitiesLn 26$332.6M
Net assetsLn 32$27.6M
OperationsPt I, VI
EmployeesI 552
VolunteersI 69
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$1.5M$1.4M
InvestmentsLn 11–13$29.4M$26.0M
Land, buildings, equipmentLn 10c$5.2M$4.9M
Total assetsLn 16$373.6M$360.2M
LiabilitiesLn 26$346.4M$332.6M
Net assetsLn 32$27.3M$27.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of officers and key staff (Part IX, line 5)Ln 5$1.2M$1.2M$0$0
Other salaries and wagesLn 7$1.2M$1.2M$0$0
Pension plan contributionsLn 8$101K$101K$0$0
Other employee benefitsLn 9$497K$497K$0$0
Payroll taxesLn 10$291K$291K$0$0
Legal feesLn 11b$112K$112K$0$0
Accounting feesLn 11c$107K$107K$0$0
Other fees for servicesLn 11g$132K$132K$0$0
Advertising and promotionLn 12$145K$145K$0$0
Office expensesLn 13$2.2M$2.2M$0$0
Information technologyLn 14$123K$123K$0$0
OccupancyLn 16$478K$478K$0$0
Conferences, conventions and meetingsLn 19$67K$67K$0$0
InterestLn 20$54K$54K$0$0
Depreciation, depletion and amortizationLn 22$307K$307K$0$0
InsuranceLn 23$155K$155K$0$0
Other expenses (24a–d)Ln 24$14.6M$14.6M$0$0
All other expensesLn 24e$78K$78K$0$0
Total functional expensesLn 25$21.8M$21.8M$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest ViewingFiled with the IRS Jun 9, 2026 $21.9M$21.8M$147K$27.6M 990 PDF
FY2024Filed with the IRS Aug 27, 2025 $22.1M$25.1M−$3.0M$27.3M 990 PDF
FY2023Filed with the IRS May 6, 2024 $19.9M$19.4M$518K$30.0M 990 PDF
FY2022Filed with the IRS May 14, 2023 $15.0M$10.5M$4.5M$29.3M 990 PDF
FY2021Filed with the IRS May 13, 2022 $12.8M$8.2M$4.6M$25.0M 990 PDF
FY2020Filed with the IRS Apr 22, 2021 $11.8M$9.6M$2.2M$19.7M 990 PDF

Schedules filed Part IV

D · Assets and endowments J · Pay L · Interested persons O · Explanations
See the full FY2025 990
Part I · Summary $21,934,395 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $21,044,100$20,909,056
I-10 Investment incomePrior year $1,046,281$1,025,339
I-11 Other revenue$0
I-12 Total revenuePrior year $22,090,381$21,934,395
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $3,083,631$3,283,063
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $21,987,652$18,503,890
I-18 Total expensesPrior year $25,071,283$21,786,953
I-19 Revenue less expensesPrior year −$2,980,902$147,442
Part VI · Governance 7 of 7 board members independent, no flags
VI-1a Voting members of the governing body7
VI-1b Independent voting members7
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $21,934,395 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Unrelated business $17,993 · Excluded from tax $0$20,909,056
VIII-3 Investment incomeUnrelated business $0 · Excluded from tax $0$1,025,339
VIII-12 Total revenueRelated to mission $21,916,402 · Unrelated business $17,993 · Excluded from tax $0$21,934,395
Part IX · Statement of functional expenses $21,786,953 across 18 lines filed
IX-5 Pay of officers and key staff (Part IX, line 5)Programs $1,237,803 · Management $0 · Fundraising $0$1,237,803
IX-7 Other salaries and wagesPrograms $1,155,993 · Management $0 · Fundraising $0$1,155,993
IX-8 Pension plan contributionsPrograms $101,089 · Management $0 · Fundraising $0$101,089
IX-9 Other employee benefitsPrograms $497,230 · Management $0 · Fundraising $0$497,230
IX-10 Payroll taxesPrograms $290,948 · Management $0 · Fundraising $0$290,948
IX-11b Legal feesPrograms $111,841 · Management $0 · Fundraising $0$111,841
IX-11c Accounting feesPrograms $107,107 · Management $0 · Fundraising $0$107,107
IX-11g Other fees for servicesPrograms $132,172 · Management $0 · Fundraising $0$132,172
IX-12 Advertising and promotionPrograms $144,905 · Management $0 · Fundraising $0$144,905
IX-13 Office expensesPrograms $2,178,422 · Management $0 · Fundraising $0$2,178,422
IX-14 Information technologyPrograms $123,235 · Management $0 · Fundraising $0$123,235
IX-16 OccupancyPrograms $477,864 · Management $0 · Fundraising $0$477,864
IX-19 Conferences, conventions and meetingsPrograms $67,491 · Management $0 · Fundraising $0$67,491
IX-20 InterestPrograms $54,064 · Management $0 · Fundraising $0$54,064
IX-22 Depreciation, depletion and amortizationPrograms $306,847 · Management $0 · Fundraising $0$306,847
IX-23 InsurancePrograms $154,727 · Management $0 · Fundraising $0$154,727
IX-24 Other expenses (24a–d)Programs $14,567,087 · Management $0 · Fundraising $0$14,567,087
IX-24e All other expensesPrograms $78,128 · Management $0 · Fundraising $0$78,128
IX-25 Total functional expensesPrograms $21,786,953 · Management $0 · Fundraising $0$21,786,953
Part X · Balance sheet $360,249,673 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $1,472,232$1,437,165
X-4 Accounts receivableStart of year $85,099$573,919
X-5 Loans to officers and key peopleStart of year $5,534,568$4,667,682
X-7 Notes and loans receivableStart of year $319,658,870$310,175,612
X-9 Prepaid expenses and deferred chargesStart of year $1,952,307$2,124,801
X-10c Land, buildings and equipment, netStart of year $5,150,661$4,863,804
X-12 Other securitiesStart of year $29,355,130$25,976,860
X-15 Other assetsStart of year $10,417,877$10,429,830
X-16 Total assetsStart of year $373,626,744$360,249,673
X-17 Accounts payable and accrued expensesStart of year $557,364$1,331,408
X-25 Other liabilitiesStart of year $345,819,353$331,304,623
X-26 Total liabilitiesStart of year $346,376,717$332,636,031
X-31 Retained earnings or endowmentStart of year $27,250,027$27,613,642
X-32 Total net assets or fund balancesStart of year $27,250,027$27,613,642
X-33 Total liabilities and net assetsStart of year $373,626,744$360,249,673
Part XI · Reconciliation of net assets $27,613,642 net assets at year end
XI-1 Total revenue$21,934,395
XI-2 Total expenses$21,786,953
XI-3 Revenue less expenses$147,442
XI-4 Net assets at start of year$27,250,027
XI-5 Net unrealized gains (losses) on investments$216,173
XI-10 Net assets at end of year$27,613,642

Form 990 e-file FY2025 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File

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