Spectra

ALEXANDRIA, VA · 1 · Charter #5380 · www.spectracu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$555.7M
64th percentile
Members
29,867
53th percentile
Total loans
$351.9M
60th percentile
Total shares
$488.9M
65th percentile

Profitability

Return on assets
0.28%
11th percentile
Net interest margin
3.02%
24th percentile
Efficiency ratio
61.27%
40th percentile
Non-interest income ratio
10.01%
7th percentile

Capital & Risk

Net worth ratio
8.49%
10th percentile
Delinquency rate
0.73%
48th percentile
Net charge-off rate
0.94%
13th percentile
Loan-to-share
71.97%
30th percentile

Growth

Member growth YoY
3.98%
83th percentile
Asset growth YoY
-5.82%
2th percentile
Loan growth YoY
-6.18%
6th percentile
Share growth YoY
-10.91%
0th percentile

Operations

Members / branch
9,956
93th percentile
Assets / member
$18,605
68th percentile
Field of membership penetration
40.00%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Spectra?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo