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
Call Report peers
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MOSAIC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MOSAIC sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Virginia, Poly Scientific Employees (#87) ties at 60/100; one place down, Virginia United Methodist (#89) scores 58/100, 2 points lower.
How MOSAIC's 5300 filing moved
MOSAIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $8.6M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -1.00 pp (8.99% → 7.99%).
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
MOSAIC gives up 40 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is MOSAIC financially healthy?
On its 2025Q4 NCUA 5300 filing, MOSAIC scores 60/100 (Good), with a 7.99% net worth ratio and 2.05% of loans delinquent. It ranks #4,071 of 4,374 nationally on health and #88 of 95 in Virginia.
How does MOSAIC compare to other credit unions?
MOSAIC scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (83.32% vs 63.60%). Its widest shortfall is net worth ratio (7.99% vs 19.06%).
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?
MOSAIC is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.