Mosaic Federal Credit Union


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

Mosaic Federal Credit Union is headquartered in Harrisonburg and is the 81st largest credit union in the state of Virginia. It is also the 3,686th largest credit union in the nation. It was established in 1986 and as of December of 2019, it had grown to 8 employees and 4,382 members at 1 location. Mosaic Federal Credit Union has a D 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
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD-0.15%
Return on Equity - YTD-2.08%
Annual Interest Income$915.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$13.8MM$15.0MM
LoansQ4 2019vs Q4 2018$11.9MM$13.1MM
DepositsQ4 2019vs Q4 2018$12.8MM$14.0MM
Equity CapitalQ4 2019vs Q4 2018$1.0MM$1.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$87.00K$82.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$308.00K$189.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Mosaic Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25-Regular Share Account
0.05%--Christmas Club Account
0.05%--Vacation Club Account

Mosaic Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-1 Year CD
0.70%$1k-6 Month CD
Locations


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

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