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 (0.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Weak (1.7) profitability.
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Fair asset quality (4.4). Fair liquidity 4.4, driven by a liquidity ratio of 29.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (71%), other (29%)
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
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Harrisonburg, VA