SPECTRA Credit Union Profile

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SPECTRA

Charter #5380 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (301) 839-8400

Fax: (301) 839-8500

Founding Date: N/A

Website: http://www.spectracu.com

Personnel & Operations

President: Kappus, Mary

Manager: Shultz, Kristin

FT Employees: 82

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 13.72%

Membership Type: 36

Branches: 3

Hours: 8:00 A.M. - 5:00 P.M. MONDAY THRU FRIDAY

Credit Union Profile Summary

SPECTRA is a FCU Credit Union. With a total of 29,060 members [1], this institution manages approximately $591,840,985 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.17% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.52% [1].

Financial Snapshot

Total Assets [1]
$591,840,985

Total economic resources.

Total Loans [1]
$371,697,649

Total value of outstanding loans.

Total Deposits [1]
$543,725,049

Total funds deposited by members.

Members [1]
29,060

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.17%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.03%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
68.36%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 9.57%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 0.52%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 4.24%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

5440 CHEROKEE AVE STE 200

ALEXANDRIA, VA, 22312
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by SPECTRA (Charter #5380).

Main Office

Alexandria Headquarters Main Office

Type: Corporate Office

5440 Cherokee Ave Ste 200

Alexandria, VA 22312

Phone: (301) 839-8400

Services: ATM

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Additional Branches

Alexandria

Shops at Mark Center

Type: Branch Office

1460 N Beauregard St

Alexandria, VA 22311-5800

Phone: (701) 461-1922

Services: Member Services, ATM, Drive-Thru

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Waldorf

Waldorf Branch

Type: Branch Office

1024 Saint Nicholas Dr

Waldorf, MD 20603

Phone: (301) 839-8865

Services: Member Services, ATM, Drive-Thru

Open in Directions

Washington

Lab Branch

Type: Branch Office

4555 Overlook Ave SW Bldg 222

Washington, DC 20375-0001

Phone: (301) 839-8835

Services: Member Services, ATM

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