BlastPoint's Credit Union Scorecard
MOSAIC
Charter #24281 · VA
2556 CUs in <100M nationally
48 in VA
MOSAIC has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.19% 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
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 20.28% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Member decline: -6.2% YoY
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
- - Asset Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,125
-6.2% YoY-0.1% QoQ
|
+509 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$8.6M
-6.5% YoY-1.3% QoQ
|
$-21.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$6.6M
-14.1% YoY+1.1% QoQ
|
$-9.2M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$7.9M
-6.7% YoY-1.3% QoQ
|
$-17.8M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
-0.3%
-613.3% YoY+10.4% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.6% in tier |
| NIM |
7.1%
-5.8% YoY-1.5% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
102.8%
+5.7% YoY+0.5% QoQ
|
+20.3% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
2.0%
+31.4% YoY+33.7% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
83.3%
-7.9% YoY+2.4% QoQ
|
+22.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$4,613
-4.3% YoY-0.2% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
28
Net Interest Margin (NIM)
profitability
Value:
7.14%
Peer Median: -
#28 of 2556
Top 1.1% in <100M tier
326
Members Per Employee (MPE)
engagement
Value:
520.833
Peer Median: -
#326 of 2556
Top 12.7% in <100M tier
438
Loan-to-Share Ratio
balance_sheet
Value:
83.32%
Peer Median: -
#438 of 2556
Top 17.1% in <100M tier
Top Weaknesses (12 metrics)
2357
Average Member Relationship (AMR)
engagement
Value:
$4,613
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2317
Efficiency Ratio
profitability
Value:
102.84%
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier
2316
Net Worth Ratio
risk
Value:
8.99%
Peer Median: -
#2316 of 2556
Bottom 9.4% in <100M tier
2303
Asset Growth Rate
growth
Value:
-6.46%
Peer Median: -
#2303 of 2556
Bottom 9.9% in <100M tier
2285
Return on Assets (ROA)
profitability
Value:
-0.32%
Peer Median: -
#2285 of 2556
Bottom 10.6% in <100M tier
2252
Loan Growth Rate
growth
Value:
-14.11%
Peer Median: -
#2252 of 2556
Bottom 11.9% in <100M tier
2251
Member Growth Rate
growth
Value:
-6.18%
Peer Median: -
#2251 of 2556
Bottom 12.0% in <100M tier
2243
Net Charge-Off Rate
risk
Value:
1.22%
Peer Median: -
#2243 of 2556
Bottom 12.3% in <100M tier
2228
Deposit Growth Rate
growth
Value:
-6.74%
Peer Median: -
#2228 of 2556
Bottom 12.9% in <100M tier
2200
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,097
Peer Median: -
#2200 of 2556
Bottom 14.0% in <100M tier