Mosaic Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 0.0 percent. A current level of 10.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.4).
Asset Mix:
Consumer loans (79%), other (21%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
31 South Carlton Street
Harrisonburg, VA 22801
Harrisonburg, VA 22801
Phone Number
(540) 564-6080
NCUA Charter Number
Website
Largest Competitors
Vienna, VA
Tysons, VA
Richmond, VA
Newport News, VA
Harrisonburg, VA