TellerScore

Spectra Federal Credit Union (NCUA charter #5380) is based in Alexandria, Virginia. Its Q2 2026 call report shows $544.4M in total assets and $458.8M in member shares and deposits and 4 offices across 3 states.

Based on its Q2 2026 filing, Spectra Federal Credit Union scores 45/100, which we describe as below average. That is higher than only 3% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 88th. Its strongest component is funding & liquidity (87/100; 74% loans-to-deposits, 5% uninsured), and its lowest is earnings (21/100; 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.67%
Loan quality38/100
Loans 60+ days delinquent ÷ total loans: 1.85%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity87/100
Loans ÷ shares: 73.6% · 5.0% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (49 → 45), mostly because the loan quality component weakened by 17 points.

TellerScore
414855Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202443
Q3 202441
Q4 202445
Q1 202553
Q2 202549
Q3 202553
Q4 202555
Q1 202649
Q2 202645
Net worth ratio
7.00%8.13%9.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.27%
Q3 20249.23%
Q4 20248.18%
Q1 20258.06%
Q2 20258.17%
Q3 20258.33%
Q4 20258.49%
Q1 20268.55%
Q2 20268.67%
Delinquent loans (60+ days)
0.73%1.30%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.69%
Q3 20241.88%
Q4 20241.32%
Q1 20250.95%
Q2 20251.36%
Q3 20250.99%
Q4 20250.73%
Q1 20261.39%
Q2 20261.85%
Return on assets
-0.82%-0.38%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.82%
Q3 2024-0.54%
Q4 2024-0.50%
Q1 20250.05%
Q2 20250.03%
Q3 20250.01%
Q4 20250.00%
Q1 20260.03%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$544.4M8.67%1.85%0.02%73.6%
Q1 202649$552.6M8.55%1.39%0.03%73.2%
Q4 202555$555.7M8.49%0.73%0.00%72.0%
Q3 202553$579.7M8.33%0.99%0.01%68.2%
Q2 202549$591.8M8.17%1.36%0.03%68.4%
Q1 202553$599.4M8.06%0.95%0.05%67.0%
Q4 202445$590.0M8.18%1.32%-0.50%68.3%
Q3 202441$542.7M9.23%1.88%-0.54%76.2%
Q2 202443$540.1M9.27%1.69%-0.82%78.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.67%
9th
Problem loans1.85%
8th
Net charge-offs0.59%
27th
Return on assets0.02%
5th
Loans to deposits73.6%
54th
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio15.2%
5th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Arlington Community Federal Credit UnionCredit union Arlington, VA55 out of 100, Moderate$537.8M8.0%0.44%vs
Call Federal Credit UnionCredit union Glen Allen, VA67 out of 100, Moderate$557.1M10.5%0.60%vs
Argent Federal Credit UnionCredit union Chesterfield, VA68 out of 100, Moderate$571.8M9.6%0.75%vs
Valleystar Credit UnionCredit union Martinsville, VA45 out of 100, Below average$503.4M10.3%1.76%vs
Commonwealth One Federal Credit UnionCredit union Alexandria, VA55 out of 100, Moderate$501.7M8.3%1.29%vs
Henrico Federal Credit UnionCredit union Henrico, VA64 out of 100, Moderate$499.7M10.7%1.44%vs

Deposit insurance

Is my money safe at Spectra Federal Credit Union?

Yes. Spectra Federal Credit Union is a federally insured credit union (NCUA charter #5380). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($23.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.67%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Spectra Federal Credit Union lists 4 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spectra Federal Credit Union
Type
Federal credit union
NCUA charter #
5380
RSSD ID
971977
Primary regulator
NCUA
Established
1946
Headquarters
5440 Cherokee Ave Ste 200, Alexandria, VA 22312
Employees
73

Quick answers

Spectra Federal Credit Union: common questions

Is Spectra Federal Credit Union NCUA insured?

Yes. Spectra Federal Credit Union is a federally insured credit union (NCUA charter #5380). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Spectra Federal Credit Union's TellerScore?

45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Spectra Federal Credit Union have?

4 offices as of the latest NCUA data, in 3 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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