Federal credit union · ALEXANDRIA, Virginia · NCUA charter #5380
SPECTRA
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $555.7M
- Total assets
- 29,867
- Members
- 8.6%
- Net-worth ratio
SPECTRA scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $555.7M; members 29,867; net-worth ratio 8.55%; health rank #3,026 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,026 of 4,374 health · 2025Q4SPECTRA · health 78/100 · $555.7M · 2025Q4
Call Report peers
SPECTRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SPECTRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SPECTRA sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for SPECTRA
- Delinquency Rate leads the peer set - 0.73% here, 0.87% peer average (-0.14 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.93 pp (71.97% vs 83.90%).
Virginia standing for SPECTRA
- In Virginia, health place is #58 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #17 of 95.
- Member book place in Virginia: #23 of 95.
- One place up in Virginia, HOMEBASE (#57) ties at 78/100; one place down, KRAFTSMAN (#59) scores 77/100, 1 point lower.
SPECTRA Call Report trajectory
SPECTRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $555.7M (2025Q4) to $552.6M (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.49% → 8.55%).
8.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
SPECTRA gives up 22 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 22.7 pts
- Return on Assets 0.0 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for SPECTRA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.55% | -2.63 pp |
| Delinquency Rate | 0.73% | -0.14 pp |
| Return on Assets | -0.53% | -1.03 pp |
| Member Growth | 3.98% | - |
| Loan-to-Share Ratio | 71.97% | -11.93 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SPECTRA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $552.6M | - |
| 2025Q4 | $555.7M | 29,867 |
| 2024Q4 | $590.0M | 28,724 |
| 2023Q4 | $557.1M | 27,674 |
Credit Union Details
- Charter Number
- 5380
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Virginia
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, SPECTRA runs 4 offices in 3 different cities across 3 states.
| Office | City |
|---|---|
| Alexandria Headquarters (Main Office) | Alexandria, VA |
| Shops at Mark Center | Alexandria, VA |
| Waldorf Branch | Waldorf, MD |
| Lab Branch | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- SPECTRA ranks #3,026 of 4,374 nationally on financial health and #58 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VALLEYSTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VALLEYSTAR
Frequently Asked Questions
Is SPECTRA financially healthy?
SPECTRA has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,026 of 4,374 nationally on health and #58 of 95 in Virginia. Its net worth ratio is 8.55% and its delinquency rate 0.73%.
How does SPECTRA compare to other credit unions?
SPECTRA scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.73% vs 0.87%). Its widest shortfall is loan-to-share ratio (71.97% vs 83.90%).
How can I join SPECTRA?
SPECTRA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact SPECTRA directly for the current list of qualifying groups.
Is my money safe at SPECTRA?
SPECTRA is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SPECTRA's net worth ratio of 8.55% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.