Credit union · NCUA insured
Spectra Credit Union
A $552.6M credit union headquartered in Alexandria, VA, with 30,641 members and 3 branches in 3 states. Best rates: CDs 4.25% and savings 0.75% APY.
Spectra Credit Union Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#62 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Spectra Credit Union
Spectra Credit Union is located in Alexandria, Virginia.
The credit union was founded by scientists at the Naval Research Laboratory.
- Headquarters
- 5440 Cherokee Ave Ste 200, Alexandria, VA 22312
- NCUA charter
- 5380
Branches
3 branches in 3 states
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District of Columbia
1 branch
- Lab Branch4555 Overlook Ave SW Bldg 222, Washington, DC 20375Directions
Maryland
1 branch
- Waldorf Branch1024 Saint Nicholas Dr, Waldorf, MD 20603Directions
Virginia
1 branch
- Shops at Mark Center1460 N Beauregard St, Alexandria, VA 22311Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.02% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio8.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.02%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Spectra Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.