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

Mosaic Federal Credit Union is headquartered in Harrisonburg and is the 89th largest credit union in the state of Virginia. It is also the 3,860th largest credit union in the nation. It was established in 1986 and as of September of 2016, it had grown to 8 employees and 4,204 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.
See current membership details

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Health
C+
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 - YTD0.25%
Return on Equity - YTD3.43%
Annual Interest Income$661.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$13.9MM$13.0MM
LoansQ3 2016vs Q3 2015$11.1MM$10.3MM
DepositsQ3 2016vs Q3 2015$12.8MM$12.0MM
Equity CapitalQ3 2016vs Q3 2015$1.0MM$980.00K
Loan Loss AllowanceQ3 2016vs Q3 2015$107.00K$90.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$256.00K$321.00K
Real Estate OwnedQ3 2016vs Q3 2015$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
0.85%$1k-1 Year CD
0.50%$1k-6 Month CD
Locations


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