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
- 30,641
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
30,641 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SPECTRA |
|---|---|
| Total Assets | $552.6M |
| Members | 30,641 |
| Loans Outstanding | $344.1M |
| Shares & Deposits | $470.1M |
| Net Worth | $47.2M |
| Net Worth Ratio | 8.55% |
| Loan-to-Share Ratio | 73.2% |
| Delinquency Rate | 1.39% |
| Net Income | +$43,165 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Virginia
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Virginia RankingsFrequently Asked Questions
SPECTRA is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SPECTRA has 30,641 members and a potential membership field of 76,603 people.
SPECTRA's reported net worth ratio is 8.55% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SPECTRA. All financial data is for informational purposes only.