Federal credit union · Harrisonburg, Virginia · NCUA charter #24281
MOSAIC
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $8.6M
- Total assets
- 3,125
- Members
- 8.0%
- Net-worth ratio
MOSAIC scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.6M; members 3,125; net-worth ratio 7.99%; health rank #4,071 of 4,374; healthier than 7th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,071 of 4,374 health · 2025Q4MOSAIC · health 60/100 · $8.6M · 2025Q4
- PHOTO 60/100
- BOOK 8.0%
- CHARTER 2.05%
- NCUSIF 0.07%
- CAMELS $8.6M
- HEALTH 3,125
- NW #4,071/4,374
- DELQ n/a
- ROA 24281
Call Report peers
MOSAIC carries $8.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MOSAIC vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MOSAIC - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24281, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where MOSAIC diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 83.32% vs peer 63.60% (+19.72 pp).
- Net Worth Ratio trails the peer set - 7.99% here, 19.06% peer average (-11.07 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MOSAIC: in-state Call Report ranks
- In Virginia, health place is #88 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #77 of 95.
- Membership ranks #61 of 95 among Virginia CUs with a reported count (3,125 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MOSAIC's 5300 filing moved
MOSAIC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $8.6M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -1.00 pp (8.99% → 7.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 25.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 7.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for MOSAIC
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.99% | -11.07 pp |
| Delinquency Rate | 2.05% | +0.24 pp |
| Return on Assets | 0.07% | -0.38 pp |
| Member Growth | -6.18% | - |
| Loan-to-Share Ratio | 83.32% | +19.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - MOSAIC
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.1M | - |
| 2025Q4 | $8.6M | 3,125 |
| 2024Q4 | $9.2M | 3,331 |
| 2023Q4 | $10.6M | 3,528 |
Credit Union Details
- Charter Number
- 24281
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- Harrisonburg
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, MOSAIC runs one office.
| Office | City |
|---|---|
| Mosaic Federal Credit Union (Main Office) | Harrisonburg, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MOSAIC
MOSAIC's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- MOSAIC ranks #4,071 of 4,374 nationally on financial health and #88 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port of Hampton Roads Ila is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port of Hampton Roads Ila
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MOSAIC financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MOSAIC carries a financial health score of 60/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,071 of 4,374; by total assets it ranks #3,634 of 4,374 nationally (same basis as /rankings/largest); and #77 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.99% net worth ratio and a 2.05% delinquency rate.
How does MOSAIC compare to other credit unions?
Five weighted metrics from NCUA filings produce MOSAIC's 60/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MOSAIC?
MOSAIC operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MOSAIC directly for the exact boundaries and application steps.
Is my money safe at MOSAIC?
Federal credit unions like MOSAIC are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MOSAIC's net worth ratio of 7.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MOSAIC offer compared to banks?
Credit unions like MOSAIC are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MOSAIC directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.