Side-by-side · Q2 2026 data
Spectra Federal Credit Union vs Abnb Federal Credit Union
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Spectra Federal Credit Union | Abnb Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 53 (stronger) |
| Capital cushion | 37 (stronger) | 30 |
| Loan quality | 38 | 80 (stronger) |
| Earnings | 21 | 21 |
| Funding & liquidity | 87 (stronger) | 72 |
| Problem-loan coverage | 70 | 88 (stronger) |
| Peer percentile | 3rd | 9th |
| Total assets | $544.4M | $914.3M |
| Deposits / shares | $458.8M | $817.5M |
| Capital ratio | 8.67% (stronger) | 7.95% |
| Problem loans | 1.85% | 0.61% (stronger) |
| Net charge-offs | 0.59% (stronger) | 1.43% |
| Return on assets | 0.02% | 0.03% (stronger) |
| Loans ÷ deposits | 73.6% (stronger) | 88.6% |
| Uninsured deposits | 5.0% (stronger) | 7.2% |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.4% |
Abnb Federal Credit Union has the higher TellerScore (53 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Spectra Federal Credit Union leads on 4 and Abnb Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.