Mosaic
Harrisonburg, VA · Charter 24281 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.8MAssets
$6.5MLoans
$8.1MShares
$738KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 15 of 1683).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1583 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.02%
Rank 1,471 of 1,683
Net Interest Margin
6.76%
Rank 15 of 1,683
Efficiency Ratio
99.51%
Rank 1,552 of 1,682
Equity / Assets
8.42%
Rank 1,583 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,471 / 1,683 | | |
| Return on Equity | 0.27% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,468 / 1,681 | | |
| Net Interest Margin | 6.76% | 3.31% | 3.82% | 4.32% | Beats 99% | 15 / 1,683 | | |
| Efficiency Ratio | 99.51% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,552 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.20% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,475 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.42% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,583 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.42% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,583 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.61% | 52.61% | 69.38% | 83.50% | 70th pctl | 499 / 1,683 | | |
| Loans / Assets | 74.06% | 44.71% | 59.18% | 70.72% | 82nd pctl | 309 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |