Charter 5380 · Alexandria, VA
Spectra Federal Credit Union
Spectra Federal Credit Union is a federally chartered credit union in Alexandria, Virginia, with $544 million in assets and 31,519 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.67%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as NRL Federal Credit Union, Spectra Credit Union.
- Total assets
- $544 million
- -8.0% in a year
- Members
- 31,519
- +8.5% in a year
- Net worth ratio
- 8.67%
- Peer median 10.79%
- Loans 60+ days late
- 1.85%
- Peer median 0.67%
- Loans outstanding
- $338 million
- -9.2% in a year
- Shares and deposits
- $459 million
- -15.6% in a year
- Branches
- 3
- 73 employees
- Opened
- 1946
- Federal charter
How Spectra Federal Credit Union compares
NCUA groups credit unions by size; Spectra Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.67% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.85%, is higher than the group median of 0.67%. Loans fell 9.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 19 of 95 credit unions headquartered in Virginia. See all Virginia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $544 million | 31,519 | $338 million | 8.67% | 1.85% |
| Q1 2026 | $553 million | 30,641 | $344 million | 8.55% | 1.39% |
| Q4 2025 | $556 million | 29,867 | $352 million | 8.49% | 0.73% |
| Q3 2025 | $580 million | 29,498 | $363 million | 8.33% | 0.99% |
| Q2 2025 | $592 million | 29,060 | $372 million | 8.17% | 1.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 78,798 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Spectra Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Waldorf Branch
1024 Saint Nicholas Dr, Waldorf, MD 20603 - Lab Branch
4555 Overlook Ave Sw Bldg 222, Washington, DC 20375 - Alexandria Headquarters (main office)
5440 Cherokee Ave Ste 200, Alexandria, VA 22312 - Shops at Mark Center
1460 N Beauregard St, Alexandria, VA 22311
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology