CU Explorer
Credit unions · Virginia · Q2 2026

Spectra CU

Credit union in Alexandria, VA · NCUA charter #5380 · Federal charter

Legal name: Spectra

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$544M
Total loans & leases$338M
Total shares & deposits$459M
Members31,520
Net worth$47.2M
Net worth / assets8.67%
Loans / assets62.01%
Return on assets (annualized)0.02%
Loan growth (YoY)−9.17%
Member growth (YoY)8.46%
Delinquency, all loans (60+ days)1.85%
CharterFederal charter
Asset band$250M–$1B
NCUA peer groupover $500M
Sponsor typeGovernment

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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