PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mosaic

Harrisonburg, VA · Charter 24281

NCUA · 1 branch

Q2 2026

$8.8MAssets
$6.5MLoans
$8.1MShares
$738KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.02%, up 26 bps year over year; NIM at 6.74%.
  • Asset quality: problem loans at 2.21% of loans (+93 bps YoY).
  • Capital: net worth / assets of 8.42%, down 80 bps from a year ago.
  • Funding: loans stand at 80.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.02%+26 bps YoY

Net Interest Margin (YTD, annualized)

6.74%-69 bps YoY

Efficiency Ratio (YTD, annualized)

99.79%-168 bps YoY

Net Worth / Assets

8.42%-80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%-0.29%-0.32%-0.33%0.02%+26 bps
Return on Equity-2.62%-3.21%-3.58%-4.13%0.23%+285 bps
Net Interest Margin7.43%7.23%7.19%6.52%6.74%-69 bps
Efficiency Ratio101.47%102.34%102.84%103.74%99.79%-168 bps
Growth
Asset Growth (YoY)-18.79%-13.87%-6.46%-0.22%1.47%+2,026 bps
Loan Growth (YoY)-10.83%-14.59%-14.11%-11.28%-4.62%+620 bps
Share Growth (YoY)-20.08%-14.57%-6.74%0.06%1.95%+2,203 bps
Asset Quality
Delinquent Loans / Loans1.28%1.53%2.05%1.86%2.21%+93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.22%9.07%9.07%8.03%8.42%-80 bps
Net Worth / Assets9.22%9.07%9.07%8.03%8.42%-80 bps
Liquidity & Funding
Loans / Shares86.16%81.35%83.32%76.01%80.60%-556 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps