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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 3,723rd largest credit union in the nation. It was established in 1986 and as of September of 2017, it had grown to 8 employees and 4,258 members at 1 location. Mosaic Federal Credit Union's CD rates are 11% higher than the national average, and 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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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 - YTD0.6%
Return on Equity - YTD8.5%
Annual Interest Income$695.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$15.1MM$13.9MM
LoansQ3 2017vs Q3 2016$12.8MM$11.1MM
DepositsQ3 2017vs Q3 2016$14.0MM$12.8MM
Equity CapitalQ3 2017vs Q3 2016$1.1MM$1.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$84.00K$107.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$238.00K$256.00K
Real Estate OwnedQ3 2017vs Q3 2016$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

1.00%$1k-1 Year CD
0.90%$1k-6 Month CD

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