Spectra
Spectra is a credit union based in Alexandria, Virginia, established in 1946, with $553 million in total assets serving 30,641 members. By Trust Grade it ranks 76th of 95 credit unions we track in Virginia. Its net worth ratio of 8.6% trails most similarly sized credit unions (9th percentile), versus a Virginia median of 11.9%. It was profitable over the most recent period, with a 0.03% return on assets. No consumer complaints against Spectra appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Spectra compares to Virginia peers
How we graded Spectra
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Profitable (ROA 0.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Spectra over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Spectra insured?
Yes. Spectra is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Spectra: frequently asked questions
Is Spectra a good credit union?
Spectra earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Profitable (ROA 0.03%).
Is Spectra NCUA-insured?
Yes. Spectra is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Spectra?
Spectra holds $553 million in total assets, ranking 76th of 95 credit unions we track in Virginia. It serves 30,641 members.
Does Spectra have CFPB complaints?
No CFPB complaints against Spectra appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
