Overview / Commentary
540-564-6080
31 S Carlton St
Harrisonburg, VA 22801-4324

Mosaic Federal Credit Union is headquartered in Harrisonburg and is the 86th largest credit union in the state of Virginia. It is also the 3,690th largest credit union in the nation. It was established in 1986 and as of June of 2018, it had grown to 9 employees and 4,330 members at 1 location. Mosaic Federal Credit Union's CD rates are 2X the national average, but it 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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Health
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

Overall
NCUA #24281
Year Chartered1986
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD4.28%
Annual Interest Income$491.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$15.2MM$15.4MM
LoansQ2 2018vs Q2 2017$13.1MM$12.2MM
DepositsQ2 2018vs Q2 2017$14.1MM$14.3MM
Equity CapitalQ2 2018vs Q2 2017$1.1MM$1.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$83.00K$80.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$258.00K$238.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Mosaic Federal Credit Union Savings Account Rates

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

Mosaic Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$1k-2 Year CD
2.01%$1k-1 Year CD
1.51%$1k-6 Month CD
Locations


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

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