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Overview / Commentary
2901 Byrdhill Rd
Richmond, VA 23228

Cadmus Credit Union Incorporated is headquartered in Richmond and is the 142nd largest credit union in the state of Virginia. It is also the 5,841st largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 1 employees and 648 members. Cadmus Credit Union Incorporated has a C+ health rating.

Field of Membership Restrictions

Must be an employee of Cadmus, Smurfit Stone or any of its affiliate. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Cadmus Credit Union Incorporated has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cadmus Credit Union Incorporated had $5,000 in non-current loans and owned real-estate with $563,000 in equity and loan loss allowances on hand to cover it. This gives Cadmus Credit Union Incorporated a Texas Ratio of 0.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cadmus Credit Union Incorporated decreased dramatically from 10.26% as of March 31, 2013 to 0.89% as of March 31, 2014, resulting in a positive change of 91.34%.This indicates that the balance sheet and financial strength for Cadmus Credit Union Incorporated has improved dramatically in recent periods.

Deposit Growth


In the past year, Cadmus Credit Union Incorporated has decreased its total deposits by $-257,000, resulting in -12.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cadmus Credit Union Incorporated has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cadmus Credit Union Incorporated has $2.31 million in assets with $563,000 in equity, resulting in a capitalization level of 24.38%, which is excellent.

Institution Statistics

NCUA #60111
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$2.31 million
Loans$1.25 million
Deposits$1.74 million
Equity Capital$559,000
Loan Loss Allowance$4,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - March 2013
Assets$2.61 million
Equity Capital$582,000
Loan Loss Allowance$3,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.17%
Return on Equity0.72%
Interest Income$37,000
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Cadmus Credit Union Incorporated Savings Account Rates

0.05%--Regular Share Savings Account
0.05%--Christmas Club Account
0.05%--Vacation Club Account

Cadmus Credit Union Incorporated CD Rates

0.15%$50k-12 Month Certificate

Cadmus Credit Union Incorporated Locations
Branch Office2901 Byrdhill RdRichmond, VA 23228-5805