SPECTRA
Alexandria, VA · Federal Credit Union · Chartered in VA
Who can join
Community / geographic area
Members
30,641
Net Worth Ratio
8.55%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$552.6M
Peer Group 6
Members
30,641
as of latest quarter
Net Worth Ratio
8.55%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$552.6M
Total Shares
$470.1M
Total Loans
$344.1M
Net Income
$43K
Net Worth Ratio
8.55%
≥7% = Well Capitalized
Members
30,641
Return on Assets
0.01%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.18%
$4.1M
Loan-to-share ratio: 73.2%· healthy range 60–80%
Branch Locations
NCUAAlexandria Headquarters
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
8:00 a.m. - 5:00 p.m. Monday thru Friday
Waldorf Branch
1024 Saint Nicholas Dr, Waldorf, MD, 20603
Lobby 9AM-5PM - Monday - Friday Lobby 9AM-1PM on Saturday Drive - thru 9AM- 6PM Monday-Friday Drive - thru 9AM-2PM Saturday
Lab Branch
4555 Overlook Ave SW Bldg 222, Washington, DC, 20375-0001
Monday - Friday: 8:00 a.m. - 3:00 p.m.
Shops at Mark Center
1460 N Beauregard St, Alexandria, VA, 22311-5800
Lobby 9AM-5PM - Monday - Friday Lobby 9AM-1PM on Saturday Drive - thru 9AM- 6PM Monday-Friday Drive - thru 9AM-2PM Saturday
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/spectra" target="_blank" rel="noopener">View SPECTRA on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.