Side-by-side · Q2 2026 data
Commonwealth One Federal Credit Union vs Spectra Federal Credit Union
Credit union
Commonwealth One Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Commonwealth One Federal Credit Union | Spectra Federal Credit Union |
|---|---|---|
| TellerScore | 55 (stronger) | 45 |
| Capital cushion | 33 | 37 (stronger) |
| Loan quality | 57 (stronger) | 38 |
| Earnings | 59 (stronger) | 21 |
| Funding & liquidity | 76 | 87 (stronger) |
| Problem-loan coverage | 76 (stronger) | 70 |
| Peer percentile | 12th | 3rd |
| Total assets | $501.7M | $544.4M |
| Deposits / shares | $432.9M | $458.8M |
| Capital ratio | 8.30% | 8.67% (stronger) |
| Problem loans | 1.29% (stronger) | 1.85% |
| Net charge-offs | 1.15% | 0.59% (stronger) |
| Return on assets | 0.98% (stronger) | 0.02% |
| Loans ÷ deposits | 84.1% | 73.6% (stronger) |
| Uninsured deposits | 6.2% | 5.0% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commonwealth One Federal Credit Union has the higher TellerScore (55 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Commonwealth One Federal Credit Union leads on 3 and Spectra Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.