Alexandria, Virginia · Peer group 6
Spectra Credit Union
Spectra Credit Union holds $552.6M in assets across 30,641 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1946. Charter number 5380, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $552.6M |
|---|---|
| Total loans | $344.1M |
| Total shares (deposits) | $470.1M |
| Net worth | $47.2M |
| Members | 30,641 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -7.8% | |
|---|---|---|
| Loans | -7.2% | lower than 97% of its peer group |
| Deposits | -15.1% | lower than 100% of its peer group |
| Members | 6.1% | higher than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 73.2% | around the 23rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.6% | lower than 91% of its peer group |
| Return on assets | 0.03% | lower than 95% of its peer group |
| Delinquency ratio | 1.39% | higher than 92% of its peer group |
| Cash / assets | 5.7% | around the 25th percentile of its peer group |
| Borrowings / assets | 7.1% | around the 84th percentile of its peer group |
What this page does not show
Everything above is Spectra Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Virginia — the comparison set a peer ratio is measured against.
- Argent Credit Union
CHESTERFIELD, VA
$560.1M · 35,108 members
- Arlington Community Credit Union
Arlington, VA
$540.7M · 25,848 members
- Call Credit Union
Richmond, VA
$570.0M · 27,680 members
- Valleystar Credit Union
Martinsville, VA
$518.0M · 36,271 members
- Commonwealth One Credit Union
ALEXANDRIA, VA
$509.3M · 28,734 members
- Henrico Credit Union
Henrico, VA
$501.0M · 31,449 members
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