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Overview / Commentary
7119 Jefferson Davis Hwy
North Chesterfield, VA 23237

Spruance Cellophane Credit Union is headquartered in NORTH CHESTERFIELD and is the 104th largest credit union in the state of Virginia. It is also the 4,641st largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 3 employees and 897 members at 1 location. Spruance Cellophane Credit Union has a C 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
See current membership details


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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

NCUA #60012
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-1.99%
Return on Equity - YTD-35.48%
Annual Interest Income$197.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$5.5MM$5.8MM
LoansQ4 2017vs Q4 2016$2.5MM$2.7MM
DepositsQ4 2017vs Q4 2016$5.2MM$5.3MM
Equity CapitalQ4 2017vs Q4 2016$310.00K$420.00K
Loan Loss AllowanceQ4 2017vs Q4 2016$4.00K$0
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$14.00K$6.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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Spruance Cellophane Credit Union Locations

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