MOSAIC
Charter #24281 · Harrisonburg, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.99% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.34% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 6.71% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.86% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MOSAIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.09M | 94th pct | 16th pct |
| Members | 3,082 | 99th pct | 67th pct |
| Net worth ratio | 7.99% | 6th pct | 8th pct |
| Return on average assets | -0.34% | 25th pct | 15th pct |
| Net interest margin | 6.71% | 95th pct | 98th pct |
| Cost of funds | 0.03% | 14th pct | 3th pct |
| Loan-to-share | 76.01% | 71th pct | 72th pct |
| Delinquency 60+ days | 1.86% | 66th pct | 90th pct |
| Net charge-off ratio | 1.66% | 89th pct | 89th pct |
| Loan growth YoY | -1.73% | 66th pct | 67th pct |
| Share growth YoY | 5.18% | 81th pct | 85th pct |
| Efficiency ratio | 103.74% | 76th pct | 87th pct |
structural peer set hash: 866c4c577ecc6c29910ff6f45b4011e9… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.