Credit Union Safety Analysis
Is Spectra Federal Credit Union Safe? Alexandria, Virginia
Based on its Q2 2026 NCUA 5300 call report, Spectra Federal Credit Union has a net worth ratio of 8.67%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.85%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Spectra Federal Credit Union's net worth ratio is 8.67%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.67%
- Delinquency ratio (60+ days) (Q2 2026): 1.85%
- Return on assets (Q2 2026): 0.00%
- Loan-to-share ratio (Q2 2026): 73.59%
Spectra Federal Credit Union (NCUA charter 5380, established 1946) reported $544.4M in assets and 31,519 members for Q2 2026 from Alexandria, Virginia. It ranks 20 of 94 credit unions in Virginia by total assets. Total assets fell 8.0% from $591.8M on June 30, 2025. It has 2,459 more members than on June 30, 2025 (+8.5%). Its net worth ratio was up 0.50 percentage points from 8.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $149.1M of $337.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.85% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.55% for Q1 2026; 8.17% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.39% for Q1 2026; 1.36% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.03% for Q1 2026; 0.02% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 73.20% for Q1 2026; 68.36% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $149.1M
- Commercial loans: $84.8M
- Other unsecured loans and lines of credit: $50.3M
- Used vehicle loans: $25.5M
- Other secured non-real estate loans and lines of credit: $17.1M
- New vehicle loans: $10.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $544.4M | 8.67% | 1.85% | 0.00% | 73.59% |
| March 31, 2026 | $552.6M | 8.55% | 1.39% | 0.03% | 73.20% |
| December 31, 2025 | $555.7M | 8.49% | 0.73% | -0.04% | 71.97% |
| September 30, 2025 | $579.7M | 8.33% | 0.99% | -0.03% | 68.17% |
| June 30, 2025 | $591.8M | 8.17% | 1.36% | 0.02% | 68.36% |
| March 31, 2025 | $599.4M | 8.06% | 0.95% | 0.05% | 67.02% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Spectra Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5380) · FFIEC NIC profile (RSSD 971977)
Frequently asked questions
Is Spectra Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Spectra Federal Credit Union's net worth ratio is 8.67%, above the 7% NCUA threshold for well capitalized.
Is Spectra Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Spectra Federal Credit Union is a federally insured credit union (NCUA charter 5380): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Spectra Federal Credit Union's key safety ratios?
For Q2 2026, Spectra Federal Credit Union reports net worth 8.67%, delinquency 1.85%, ROA 0.00%, loan-to-share 73.59%.
What happens to my money if Spectra Federal Credit Union fails?
For Q2 2026, Spectra Federal Credit Union held $458.8M in shares and deposits for 31,519 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.