BlastPoint's Credit Union Scorecard
MOSAIC
Charter #24281 · VA
MOSAIC has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.51% above tier average
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency ratio 13.11% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Member decline: -4.1% YoY
- - Net Worth Ratio: Bottom 4.9% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,082
-4.1% YoY-1.4% QoQ
|
+405 |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$9.1M
-0.2% YoY+6.0% QoQ
|
$-21.1M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$6.4M
-11.3% YoY-2.8% QoQ
|
$-8.9M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$8.4M
+0.1% YoY+6.6% QoQ
|
$-17.4M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
-0.3%
-30.5% YoY+2.8% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
6.5%
-8.7% YoY-8.7% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
103.7%
-0.3% YoY+0.9% QoQ
|
+13.1% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
1.9%
+43.2% YoY-9.1% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
76.0%
-11.3% YoY-8.8% QoQ
|
+17.5% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$4,786
-1.1% YoY+3.7% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)