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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 108th largest credit union in the state of Virginia. It is also the 4,698th largest credit union in the nation. It was established in 1953 and as of June of 2017, it had grown to 3 employees and 910 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
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Health
C+
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, and a negative return on assets.

Health Grade Components

Overall
NCUA #60012
Year Chartered1953
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-2.11%
Return on Equity - YTD-34.08%
Annual Interest Income$95.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$5.7MM$5.8MM
LoansQ2 2017vs Q2 2016$2.6MM$2.7MM
DepositsQ2 2017vs Q2 2016$5.4MM$5.3MM
Equity CapitalQ2 2017vs Q2 2016$358.00K$470.00K
Loan Loss AllowanceQ2 2017vs Q2 2016$4.00K$1,000
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$0$7.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates

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Locations


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