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Overview / Commentary
2901 Byrdhill Rd
Richmond, VA 23228

Cadmus Credit Union Incorporated is headquartered in Richmond and is the 144th largest credit union in the state of Virginia. It is also the 5,887th largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 1 employees and 647 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 Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Cadmus Credit Union Incorporated had $5,000 in non-current loans and owned real-estate with $560,000 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.

Deposit Growth


In the past year, Cadmus Credit Union Incorporated has decreased its total deposits by $-151,000, resulting in -8.32% 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 below average.



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 $2.23 million in assets with $560,000 in equity, resulting in a capitalization level of 25.09%, which is excellent.

Institution Statistics

NCUA #60111
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$2.23 million
Loans$1.27 million
Deposits$1.66 million
Equity Capital$559,000
Loan Loss Allowance$1,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - December 2012
Assets$2.40 million
Equity Capital$578,000
Loan Loss Allowance$6,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin10.59%
Return on Assets-0.85%
Return on Equity-3.4%
Interest Income$147,000
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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