Spectra Credit Union


Overview / Commentary
301-839-8400
5440 Cherokee Ave Ste 200
Alexandria, VA 22312-2321

Spectra Credit Union is headquartered in Alexandria and is the 21st largest credit union in the state of Virginia. It is also the 668th largest credit union in the nation. It was established in 1946 and as of March of 2022, it had grown to 94 employees and 25,765 members at 4 locations. Spectra Credit Union has an A health rating.

Reviews (1)

Overall Great Experience

I've been a member of this institution for nearly 10 years, while it is not my primary FCU; it has been my back-up. I've gotten loans with ease and the rates were acceptable. They have great loyalty rewards for their members, and their customer service is good also.



Health

Health Grade Components

Overall
NCUA #5380
Year Chartered1946
Employees94
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.28%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$559.6MM$543.0MM
LoansQ1 2022vs Q1 2021$366.6MM$314.0MM
DepositsQ1 2022vs Q1 2021$501.3MM$480.0MM
Equity CapitalQ1 2022vs Q1 2021$50.0MM$58.5MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.4MM$1.2MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$2.2MM$1.8MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0
Rates

Rates for Spectra Credit Union are currently being reviewed.

Locations


Spectra Credit Union Locations
Branch Office1024 Saint Nicholas DrWaldorf, MD 20603
Branch Office4555 Overlook Ave SW Bldg 222Washington, DC 20375-0001
Corporate Office5440 Cherokee Ave Ste 200Alexandria, VA 22312
Branch Office1460 N Beauregard StAlexandria, VA 22311-5800

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