Side-by-side · Q2 2026 data
Spectra Federal Credit Union vs Arlington Community Federal Credit Union
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Credit union
Arlington Community Federal Credit Union
Arlington, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Spectra Federal Credit Union | Arlington Community Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 55 (stronger) |
| Capital cushion | 37 (stronger) | 30 |
| Loan quality | 38 | 85 (stronger) |
| Earnings | 21 | 29 (stronger) |
| Funding & liquidity | 87 (stronger) | 66 |
| Problem-loan coverage | 70 | 91 (stronger) |
| Peer percentile | 3rd | 12th |
| Total assets | $544.4M | $537.8M |
| Deposits / shares | $458.8M | $490.2M |
| Capital ratio | 8.67% (stronger) | 7.95% |
| Problem loans | 1.85% | 0.44% (stronger) |
| Net charge-offs | 0.59% | 0.36% (stronger) |
| Return on assets | 0.02% | 0.22% (stronger) |
| Loans ÷ deposits | 73.6% (stronger) | 94.6% |
| Uninsured deposits | 5.0% (stronger) | 11.1% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arlington Community Federal Credit Union has the higher TellerScore (55 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Spectra Federal Credit Union leads on 3 and Arlington Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.