Side-by-side · Q2 2026 data
Spectra Federal Credit Union vs Topside Federal Credit Union
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Spectra Federal Credit Union | Topside Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 63 (stronger) |
| Capital cushion | 37 | 38 (stronger) |
| Loan quality | 38 | 62 (stronger) |
| Earnings | 21 | 60 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 70 | 86 (stronger) |
| Peer percentile | 3rd | 29th |
| Total assets | $544.4M | $492.1M |
| Deposits / shares | $458.8M | $455.2M |
| Capital ratio | 8.67% | 8.82% (stronger) |
| Problem loans | 1.85% | 1.14% (stronger) |
| Net charge-offs | 0.59% | 0.37% (stronger) |
| Return on assets | 0.02% | 1.01% (stronger) |
| Loans ÷ deposits | 73.6% | 58.6% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 8.1% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.1% |
Topside Federal Credit Union has the higher TellerScore (63 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Spectra Federal Credit Union leads on 1 and Topside Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.