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Overview / Commentary
804-383-3309
7119 Jefferson Davis Hwy
North Chesterfield, VA 23237

Spruance Cellophane Credit Union is headquartered in NORTH CHESTERFIELD and is the 113th largest credit union in the state of Virginia. It is also the 4,832nd largest credit union in the nation. It was established in 1953 and as of December of 2015, it had grown to 3 employees and 948 members at 1 location. Spruance Cellophane Credit Union has a B health rating.

Field of Membership Restrictions

Persons who live, work, worship, volunteer, or attend school in, businesses and other legal entities located in, the County of Chesterfield, Virginia
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Health
B
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Spruance Cellophane Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #60012
Year Chartered1953
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-0.67%
Return on Equity - YTD-7.87%
Annual Interest Income$243.00K
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$5.9MM$5.7MM
LoansQ4 2015vs Q4 2014$3.0MM$3.1MM
DepositsQ4 2015vs Q4 2014$5.4MM$5.2MM
Equity CapitalQ4 2015vs Q4 2014$508.00K$549.00K
Loan Loss AllowanceQ4 2015vs Q4 2014$1,000$15.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$3.00K$2.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$0
Rates

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Locations


Spruance Cellophane Credit Union Locations
Branch Office7119 JEFFERSON DAVIS HWYNORTH CHESTERFIELD, VA 23237