Preheat oven to 400°F. Line two baking sheets with parchment paper or silicone baking mats.
In a small bowl, whisk together almond flour and baking powder. Set aside.
Add mozzarella and cream cheese to a large glass bowl.. melt in double boiler.
Add cheese, 1 egg (remember one of the eggs listed is for the egg wash finish at the end only), and almond flour mixture into a food processor with dough blade attachment. Pulse on high speed until the dough is uniform. The dough will be quite sticky, which is normal.
Wrap your pastry board with plastic wrap until the plastic wrap.Lightly coat your hands with oil and divide dough small balls. Flatten and poke hole.
Add the final egg to a bowl and whisk. Generously brush surface of bagels with egg wash.
Bake bagels for 5 minutes until lightly golden and puffed. When you touch the surface of the bagels, they should not collapse. I recommend baking the bagels one sheet at a time rather than trying to bake both sheets at once because it leads to uneven heat distribution and your bagels may not puff up properly. Allow bagels to cool on baking sheets before removing.
Cut in half and top with toppings and bake until the cheese melts, about 2-3 minutes more.