Side-by-side · Q2 2026 data
Spectra Federal Credit Union vs Valleystar Credit Union
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Spectra Federal Credit Union | Valleystar Credit Union |
|---|---|---|
| TellerScore | 45 | 45 |
| Capital cushion | 37 | 53 (stronger) |
| Loan quality | 38 | 41 (stronger) |
| Earnings | 21 (stronger) | 0 |
| Funding & liquidity | 87 (stronger) | 78 |
| Problem-loan coverage | 70 | 76 (stronger) |
| Peer percentile | 3rd | 3rd |
| Total assets | $544.4M | $503.4M |
| Deposits / shares | $458.8M | $406.1M |
| Capital ratio | 8.67% | 10.25% (stronger) |
| Problem loans | 1.85% | 1.76% (stronger) |
| Net charge-offs | 0.59% (stronger) | 0.86% |
| Return on assets | 0.02% (stronger) | -1.05% |
| Loans ÷ deposits | 73.6% (stronger) | 82.0% |
| Uninsured deposits | 5.0% (stronger) | 7.7% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 51.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Spectra Federal Credit Union leads on 4 and Valleystar Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.