Mosaic
Mosaic is a credit union based in Harrisonburg, Virginia, established in 1986, with $9 million in total assets serving 3,082 members. By Trust Grade it ranks 88th of 95 credit unions we track in Virginia. Its net worth ratio of 8.0% trails most similarly sized credit unions (5th percentile), versus a Virginia median of 11.9%. It posted a loss over the most recent period (-0.33% return on assets), a point to watch. No consumer complaints against Mosaic appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Mosaic compares to Virginia peers
How we graded Mosaic
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.0% capital ratio)
- Unprofitable over the period (ROA -0.33%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Mosaic over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Mosaic insured?
Yes. Mosaic is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Mosaic: frequently asked questions
Is Mosaic a good credit union?
Mosaic earns a Bankzia Trust Grade of C (72/100, "Average"), based on a financial-strength score of 72/100 (it has no CFPB complaints on record). Well-capitalized (8.0% capital ratio); Unprofitable over the period (ROA -0.33%).
Is Mosaic NCUA-insured?
Yes. Mosaic is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Mosaic?
Mosaic holds $9 million in total assets, ranking 88th of 95 credit unions we track in Virginia. It serves 3,082 members.
Does Mosaic have CFPB complaints?
No CFPB complaints against Mosaic appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
