Side-by-side · Q2 2026 data
Spectra Federal Credit Union vs Christiansted Federal Credit Union
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Credit union
Christiansted Federal Credit Union
Christiansted, U.S. Virgin Islands · Under $100 million in assets
Metric by metric
| Measure | Spectra Federal Credit Union | Christiansted Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 98 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 38 | 92 (stronger) |
| Earnings | 21 | 98 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 3rd | 98th |
| Total assets | $544.4M | $34.0M |
| Deposits / shares | $458.8M | $26.9M |
| Capital ratio | 8.67% | 20.63% (stronger) |
| Problem loans | 1.85% | 0.23% (stronger) |
| Net charge-offs | 0.59% | 0.22% (stronger) |
| Return on assets | 0.02% | 1.96% (stronger) |
| Loans ÷ deposits | 73.6% | 45.3% (stronger) |
| Uninsured deposits | 5.0% | 1.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Christiansted Federal Credit Union has the higher TellerScore (98 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Spectra Federal Credit Union leads on 0 and Christiansted Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.