Mosaic Federal Credit Union
31 S Carlton St
Harrisonburg, VA 22801
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2023 Overview
General Credit Union Information
Mosaic is an NCUA insured institution located in Harrisonburg, VA. It was founded in 1986 and has approximately $12.22 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24281 |
| Date Established | 1986 |
| Assets | $12.22 million |
| Loans | $8.39 million |
| Deposits | $11.28 million |
| Capital | $0.92 million |
Deposit Rates - June 6, 2023
Your Current Location: Virginia, VA 20146
We do not yet have rates for Mosaic
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Loan Rates - June 6, 2023
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for Mosaic
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
5.921% | 5.750% | 0.88 | $4,688 | $1,459 | Learn More |
NMLS ID: 2890 License#: MC-3098 |
6.372% | 6.250% | 0.88 | $3,220 | $1,540 | Learn More |
NMLS ID: 1907 |
6.806% | 6.625% | 0.88 | $4,688 | $1,601 | Learn More |
NMLS ID: 1984206 License#: #: MC-7440 |
7.164% | 6.999% | 0.88 | $4,427 | $1,664 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Mosaic
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Branches
Below are Mosaic branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
MOSAIC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Mosaic Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Mosaic. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Mosaic | U.S. Average |
|---|---|
| 12.58% | 5.90 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2022, Mosaic had $92,963 in non-current loans and $27,493 in owned assets. To cover these potential losses it had $917,564 in net worth and $40,070 in loans loss reserves. That gives it a Texas Ratio of 12.58%.
Net Worth
| Mosaic | U.S. Average |
|---|---|
| 7.51% | 12.75% |
Mosaic FCU has a net worth of 7.51% versus the BestCashCow average of 12.75. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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