TellerScore

Mosaic Federal Credit Union is a federal credit union headquartered in Harrisonburg, Virginia, in business for about 40 years. At the end of Q2 2026 it reported $8.8M in total assets and $8.0M in member shares and deposits, with 1 office.

Mosaic Federal Credit Union has a TellerScore of 39 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 93rd. Funding & liquidity contributes the most (80/100, 81% loans-to-deposits, 0% uninsured); earnings contributes the least (21/100, 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.39%
Loan quality26/100
Loans 60+ days delinquent ÷ total loans: 2.21%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity80/100
Loans ÷ shares: 80.6% · 0.0% uninsured
Problem-loan coverage61/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 19.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (47 → 39), mostly because the loan quality component weakened by 31 points.

TellerScore
394550Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202450
Q4 202447
Q1 202545
Q2 202547
Q3 202545
Q4 202540
Q1 202639
Q2 202639
Net worth ratio
7.00%8.09%9.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.01%
Q3 20248.31%
Q4 20249.17%
Q1 20258.66%
Q2 20259.14%
Q3 20258.98%
Q4 20258.99%
Q1 20267.99%
Q2 20268.39%
Delinquent loans (60+ days)
1.10%1.66%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.34%
Q3 20241.10%
Q4 20241.56%
Q1 20251.30%
Q2 20251.28%
Q3 20251.53%
Q4 20252.05%
Q1 20261.86%
Q2 20262.21%
Return on assets
-0.48%-0.21%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.03%
Q4 20240.07%
Q1 2025-0.48%
Q2 2025-0.24%
Q3 2025-0.29%
Q4 2025-0.32%
Q1 2026-0.33%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202639$8.8M8.39%2.21%0.02%80.6%
Q1 202639$9.1M7.99%1.86%-0.33%76.0%
Q4 202540$8.6M8.99%2.05%-0.32%83.3%
Q3 202545$8.7M8.98%1.53%-0.29%81.3%
Q2 202547$8.6M9.14%1.28%-0.24%86.2%
Q1 202545$9.1M8.66%1.30%-0.48%85.7%
Q4 202447$9.2M9.17%1.56%0.07%90.5%
Q3 202450$10.1M8.31%1.10%0.03%81.4%
Q2 202447$10.6M8.01%1.34%0.06%77.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.39%
6th
Problem loans2.21%
18th
Net charge-offs0.77%
19th
Return on assets0.02%
20th
Loans to deposits80.6%
19th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio19.4%
5th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Hampton Roads Ila Federal Credit UnionCredit union Norfolk, VA67 out of 100, Moderate$8.4M7.7%0.00%vs
Summit Hampton Roads Federal Credit UnionCredit union Norfolk, VA52 out of 100, Below average$8.2M14.3%2.89%vs
Midway Federal Credit UnionCredit union Berryville, VA85 out of 100, Very strong$9.7M23.6%0.00%vs
VA Beach Postal Federal Credit UnionCredit union Virginia Beach, VA80 out of 100, Strong$10.0M13.0%0.50%vs
Halifax County Community Federal Credit UnionCredit union South Boston, VA45 out of 100, Below average$7.1M6.2%0.97%vs
Richmond Heritage Federal Credit UnionCredit union Richmond, VA78 out of 100, Strong$10.6M37.1%0.30%vs

Deposit insurance

Is my money safe at Mosaic Federal Credit Union?

Yes. Mosaic Federal Credit Union is a federally insured credit union (NCUA charter #24281). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.39%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mosaic Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mosaic Federal Credit Union
Type
Federal credit union
NCUA charter #
24281
RSSD ID
184393
Primary regulator
NCUA
Established
1986
Headquarters
31 S Carlton St, Harrisonburg, VA 22801
Employees
5

Quick answers

Mosaic Federal Credit Union: common questions

Is Mosaic Federal Credit Union NCUA insured?

Yes. Mosaic Federal Credit Union is a federally insured credit union (NCUA charter #24281). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mosaic Federal Credit Union's TellerScore?

39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mosaic Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Harrisonburg

InstitutionScoreAssetsCapitalProblem loansCompare
Augusta Health Care Credit UnionCredit union Fishersville, VA90 out of 100, Very strong$15.2M21.1%0.61%vs
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs
Augusta County Federal Credit UnionCredit union Verona, VA76 out of 100, Strong$25.7M26.3%2.72%vs