BlastPoint's Credit Union Scorecard
MOSAIC
Charter #24281 · VA
2596 CUs in <100M nationally
49 in VA
MOSAIC has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 20.94% above tier (higher cost structure)
- - Delinquency rate 0.02% above tier average
- - Member decline: -5.7% YoY
- - Asset Growth Rate: Bottom 2.2% in tier
- - Deposit Growth Rate: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 8.2% in tier
- - AMR Growth Rate: Bottom 8.2% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,127
-5.7% YoY-0.9% QoQ
|
+501 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$8.7M
-13.9% YoY+0.6% QoQ
|
$-21.2M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$6.5M
-14.6% YoY-4.7% QoQ
|
$-9.3M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$8.0M
-14.6% YoY+0.9% QoQ
|
$-17.5M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.3%
-1262.8% YoY+24.4% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.8% in tier |
| NIM |
7.2%
+1.6% YoY+0.2% QoQ
|
+3.3% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
102.3%
+4.5% YoY+0.9% QoQ
|
+20.9% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
1.5%
+38.9% YoY+19.4% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
81.3%
-0.0% YoY-5.6% QoQ
|
+20.1% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$4,621
-9.4% YoY-0.8% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
28
Net Interest Margin (NIM)
profitability
Value:
7.25%
Peer Avg: -
#28 of 2596
Top 1.0% in <100M tier
171
Members Per Employee (MPE)
engagement
Value:
625.400
Peer Avg: -
#171 of 2596
Top 6.5% in <100M tier
537
Loan-to-Share Ratio
balance_sheet
Value:
81.35%
Peer Avg: -
#537 of 2596
Top 20.6% in <100M tier
Top Weaknesses (11 metrics)
2540
Asset Growth Rate
growth
Value:
-13.87%
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2511
Deposit Growth Rate
growth
Value:
-14.57%
Peer Avg: -
#2511 of 2596
Bottom 3.3% in <100M tier
2384
Average Member Relationship (AMR)
engagement
Value:
$4,621
Peer Avg: -
#2384 of 2596
Bottom 8.2% in <100M tier
2383
AMR Growth Rate
growth
Value:
-9.44%
Peer Avg: -
#2383 of 2596
Bottom 8.2% in <100M tier
2376
Net Charge-Off Rate
risk
Value:
1.51%
Peer Avg: -
#2376 of 2596
Bottom 8.5% in <100M tier
2350
Net Worth Ratio
risk
Value:
8.98%
Peer Avg: -
#2350 of 2596
Bottom 9.5% in <100M tier
2348
Efficiency Ratio
profitability
Value:
102.34%
Peer Avg: -
#2348 of 2596
Bottom 9.6% in <100M tier
2315
Return on Assets (ROA)
profitability
Value:
-0.29%
Peer Avg: -
#2315 of 2596
Bottom 10.9% in <100M tier
2285
Loan Growth Rate
growth
Value:
-14.59%
Peer Avg: -
#2285 of 2596
Bottom 12.0% in <100M tier
2243
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,073
Peer Avg: -
#2243 of 2596
Bottom 13.6% in <100M tier