Ford Credit Auto Owner Trust 2022-C
02/19/2026 | Press release | Distributed by Public on 02/19/2026 08:10
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-C
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 41 | ||||
Additional information about the structure, cashflows, defined terms and parties for this transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the registration number 333-258040 and at https://www.ford.com/finance/investor-center/asset-backed-securitization.
I. ORIGINAL DEAL PARAMETERS
| Dollar Amount | # of Receivables | Weighted Avg Remaining Term at Cutoff | |||||||||||||||
| Initial Pool Balance | $ | 1,745,303,060.82 | 52,430 | 54.7 months | |||||||||||||
| Dollar Amount | Note Interest Rate | Final Scheduled Payment Date | |||||||||||||||
| Original Securities | |||||||||||||||||
| Class A-1 Notes | $ | 304,740,000.00 | 3.633 | % | October 15, 2023 | ||||||||||||
| Class A-2a Notes | $ | 319,040,000.00 | 4.52 | % | April 15, 2025 | ||||||||||||
| Class A-2b Notes | $ | 200,000,000.00 | 4.22735 | % | * | April 15, 2025 | |||||||||||
| Class A-3 Notes | $ | 519,040,000.00 | 4.48 | % | December 15, 2026 | ||||||||||||
| Class A-4 Notes | $ | 157,180,000.00 | 4.59 | % | December 15, 2027 | ||||||||||||
| Class B Notes | $ | 47,370,000.00 | 5.03 | % | February 15, 2028 | ||||||||||||
| Class C Notes | $ | 31,570,000.00 | 5.22 | % | March 15, 2030 | ||||||||||||
| Total | $ | 1,578,940,000.00 | |||||||||||||||
| * 30-day average SOFR + 0.52% | |||||||||||||||||
II. AVAILABLE FUNDS
| Interest: | |||||
| Interest Collections | $ | 838,932.18 | |||
| Principal: | |||||
| Principal Collections | $ | 12,737,318.99 | |||
| Prepayments in Full | $ | 4,094,367.81 | |||
| Liquidation Proceeds | $ | 184,054.17 | |||
| Recoveries | $ | 72,632.90 | |||
| Sub Total | $ | 17,088,373.87 | |||
| Collections | $ | 17,927,306.05 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 86,778.53 | |||
| Purchase Amounts Related to Interest | $ | 284.71 | |||
| Sub Total | $ | 87,063.24 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 18,014,369.29 | |||
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Ford Credit Auto Owner Trust 2022-C
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 41 | ||||
III. DISTRIBUTIONS
| Calculated Amount | Amount Paid | Shortfall | Carryover Shortfall | Remaining Available Funds | |||||||||||||||||||||||||
| Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 18,014,369.29 | |||||||||||||||||||
| Servicing Fee | $ | 211,912.90 | $ | 211,912.90 | $ | 0.00 | $ | 0.00 | $ | 17,802,456.39 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 17,802,456.39 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 17,802,456.39 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 17,802,456.39 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 17,802,456.39 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 484,596.12 | $ | 484,596.12 | $ | 0.00 | $ | 0.00 | $ | 17,317,860.27 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 17,317,860.27 | |||||||||||||||||||
| Interest - Class B Notes | $ | 198,559.25 | $ | 198,559.25 | $ | 0.00 | $ | 0.00 | $ | 17,119,301.02 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 17,119,301.02 | |||||||||||||||||||
| Interest - Class C Notes | $ | 137,329.50 | $ | 137,329.50 | $ | 0.00 | $ | 0.00 | $ | 16,981,971.52 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,981,971.52 | |||||||||||||||||||
| Regular Principal Payment | $ | 15,805,731.32 | $ | 15,805,731.32 | $ | 0.00 | $ | 0.00 | $ | 1,176,240.20 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 1,176,240.20 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 1,176,240.20 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 18,014,369.29 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 15,805,731.32 | |||||||||||||||||||||||||||
| Total | $ | 15,805,731.32 | |||||||||||||||||||||||||||
IV. NOTEHOLDER PAYMENTS
| Noteholder Principal Payments | Noteholder Interest Payments | Total Payment | |||||||||||||||||||||||||||||||||
| Per $1,000 of | Per $1,000 of | Per $1,000 of | |||||||||||||||||||||||||||||||||
| Actual | Original Balance | Actual | Original Balance | Actual | Original Balance | ||||||||||||||||||||||||||||||
| Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-4 Notes | $ | 15,805,731.32 | $ | 100.56 | $ | 484,596.12 | $ | 3.08 | $ | 16,290,327.44 | $ | 103.64 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 198,559.25 | $ | 4.19 | $ | 198,559.25 | $ | 4.19 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 137,329.50 | $ | 4.35 | $ | 137,329.50 | $ | 4.35 | |||||||||||||||||||||||
| Total | $ | 15,805,731.32 | $ | 10.01 | $ | 820,484.87 | $ | 0.52 | $ | 16,626,216.19 | $ | 10.53 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-C
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 41 | ||||
V. NOTE BALANCE AND POOL INFORMATION
| Beginning of Period | End of Period | ||||||||||||||||||||||
| Balance | Note Factor | Balance | Note Factor | ||||||||||||||||||||
| Class A-1 Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-2a Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-2b Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-3 Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-4 Notes | $ | 126,691,794.94 | 0.8060300 | $ | 110,886,063.62 | 0.7054718 | |||||||||||||||||
| Class B Notes | $ | 47,370,000.00 | 1.0000000 | $ | 47,370,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 31,570,000.00 | 1.0000000 | $ | 31,570,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 205,631,794.94 | 0.1302341 | $ | 189,826,063.62 | 0.1202237 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 3.911 | % | 3.942 | % | |||||||
| Weighted Average Remaining Term | 24.14 | 23.47 | |||||||||
| Number of Receivables Outstanding | 18,620 | 18,020 | |||||||||
| Pool Balance | $ | 254,295,480.42 | $ | 236,956,934.94 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 237,210,746.87 | $ | 221,405,015.55 | |||||||
| Pool Factor | 0.1457028 | 0.1357684 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 4,736,842.79 | |||
| Yield Supplement Overcollateralization Amount | $ | 15,551,919.39 | |||
| Targeted Overcollateralization Amount | $ | 47,130,871.32 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 47,130,871.32 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 4,736,842.79 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 4,736,842.79 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 4,736,842.79 | |||
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Ford Credit Auto Owner Trust 2022-C
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 41 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 52 | $ | 236,025.98 | ||||||||||||||
| (Recoveries) | 98 | $ | 72,632.90 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 163,393.08 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.7710 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.2718 | % | |||||||||||||||
| Second Prior Collection Period | 0.5380 | % | |||||||||||||||
| Prior Collection Period | 2.0006 | % | |||||||||||||||
| Current Collection Period | 0.7983 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.9022 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 2,921 | $ | 15,216,842.59 | ||||||||||||||
| (Cumulative Recoveries) | $ | 3,002,184.41 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 12,214,658.18 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.6999 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 5,209.46 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 4,181.67 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 2.29 | % | 258 | $ | 5,422,891.58 | ||||||||||||
| 61-90 Days Delinquent | 0.40 | % | 42 | $ | 943,080.35 | ||||||||||||
| 91-120 Days Delinquent | 0.11 | % | 7 | $ | 256,994.41 | ||||||||||||
| Over 120 Days Delinquent | 0.31 | % | 29 | $ | 723,942.64 | ||||||||||||
| Total Delinquent Receivables | 3.10 | % | 336 | $ | 7,346,908.98 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 12 | $ | 254,726.93 | ||||||||||||||
| Total Repossessed Inventory | 20 | $ | 445,958.08 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.4232 | % | |||||||||||||||
| Prior Collection Period | 0.4243 | % | |||||||||||||||
| Current Collection Period | 0.4329 | % | |||||||||||||||
| Three Month Average | 0.4268 | % | |||||||||||||||
| Delinquency Trigger (61+ Delinquent Receivables) | |||||||||||||||||
| Transaction Month | Trigger | ||||||||||||||||
| 1-12 | 0.80% | ||||||||||||||||
| 13-24 | 1.50% | ||||||||||||||||
| 25-36 | 2.70% | ||||||||||||||||
| 37+ | 4.40% | ||||||||||||||||
| 61+ Delinquent Receivables Balance to EOP Pool Balance | 0.8120 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2022-C
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 41 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 82 | $1,907,874.17 | ||||||||||||
| 2 Months Extended | 88 | $1,847,762.63 | ||||||||||||
| 3+ Months Extended | 38 | $889,790.62 | ||||||||||||
| Total Receivables Extended | 208 | $4,645,427.42 | ||||||||||||
IX. REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
| No Activity to report | ||
| Most Recent Form ABS-15G for repurchase demand activity | ||
| Filed by: Ford Motor Credit Company LLC | ||
| CIK#: 0000038009 | ||
| Date: February 6, 2026 | ||
X. FLOATING RATE BENCHMARK: BENCHMARK TRANSITION
| Benchmark Transition Event: | N/A | ||||
| Benchmark Replacement Date: | N/A | ||||
| Unadjusted Benchmark Replacement: | N/A | ||||
| Benchmark Replacement Adjustment: | N/A | ||||
| Benchmark Replacement Conforming Changes: | N/A | ||||
SERVICER CERTIFICATION
THIS REPORT IS ACCURATE IN ALL MATERIAL RESPECTS.
Ford Motor Credit Company LLC
/s/ Ryan M. Hershberger
Assistant Treasurer
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Ford Credit Auto Owner Trust 2022-C published this content on February 19, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 19, 2026 at 14:10 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]