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Overview / Commentary
31 S Carlton St
Harrisonburg, VA 22801-4324

Mosaic Federal Credit Union is headquartered in Harrisonburg and is the 90th largest credit union in the state of Virginia. It is also the 3,850th largest credit union in the nation. It was established in 1986 and as of December of 2016, it had grown to 8 employees and 4,263 members at 1 location. Mosaic Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Harrisonburg, Virginia and to employees of Virginia Poultry Growers Co-op, Pilgrim's Pride Corporation, May Supply, Bowman Apple Products, or Valley Custom Homes.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mosaic Federal Credit Union has a low asset base.

Health Grade Components

NCUA #24281
Year Chartered1986
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2.87%
Annual Interest Income$879.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$13.9MM$12.9MM
LoansQ4 2016vs Q4 2015$11.4MM$10.9MM
DepositsQ4 2016vs Q4 2015$12.8MM$11.9MM
Equity CapitalQ4 2016vs Q4 2015$1.0MM$983.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$109.00K$86.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$256.00K$334.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Mosaic Federal Credit Union Savings Account Rates

0.25%$25-Regular Share Account
0.15%--Christmas Club Account
0.15%--Vacation Club Account

Mosaic Federal Credit Union CD Rates

0.85%$1k-1 Year CD
0.50%$1k-6 Month CD

Mosaic Federal Credit Union Locations
Branch Office31 S Carlton StHarrisonburg, VA 22801-4324