SPECTRA
Federal • ALEXANDRIA, Virginia • Est. 1946
Quick Facts
- Charter Number
- #5380
- Type
- Federal
- Established
- 1946
- Headquarters
- ALEXANDRIA, Virginia 22312
- Address
- 5440 CHEROKEE AVE STE 200
- Branches
- 4
- ATMs
- 5
- Members
- 29,867
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
29,867 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SPECTRA |
|---|---|
| Total Assets | $555.7M |
| Members | 29,867 |
| Loans Outstanding | $351.9M |
| Shares & Deposits | $488.9M |
| Net Worth | $47.2M |
| Net Worth Ratio | 8.49% |
| Loan-to-Share Ratio | 72.0% |
| Delinquency Rate | 0.73% |
| Net Income | +$1,797,528 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 5 ATMs
Waldorf Branch
1024 Saint Nicholas Dr
Waldorf, MD 20603
Lab Branch
4555 Overlook Ave SW Bldg 222
Washington, DC 20375-0001
Alexandria Headquarters
Main Office5440 Cherokee Ave Ste 200
Alexandria, VA 22312
Shops at Mark Center
1460 N Beauregard St
Alexandria, VA 22311-5800
Who Can Join SPECTRA?
Membership Type: Community
Membership eligibility for SPECTRA may vary. Contact the credit union directly to confirm qualification requirements.
Contact SPECTRA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Virginia RankingsFrequently Asked Questions
Yes. SPECTRA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SPECTRA has 29,867 members and a potential membership field of 74,668 people.
SPECTRA's net worth ratio is 8.49% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.5%, SPECTRA meets this threshold.
SPECTRA operates 4 branch locations and has access to 5 ATMs. The main office is located at 5440 Cherokee Ave Ste 200, Alexandria, VA 22312.
SPECTRA was established in 1946. It is a federal credit union chartered under charter number 5380. The institution has been serving members for 80 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SPECTRA. All financial data is for informational purposes only.