Spectra Federal Credit Union
Major Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 8.7 percent and a “hot money” ratio of 10.0 percent. A current level of 21.2 percent of nonperforming loans to core capital combined with 21.2 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (30%), home mtgs (17%), other (53%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
5440 Cherokee Avenue
Alexandria, VA 22312
Alexandria, VA 22312
Phone Number
(301) 839-8400
NCUA Charter Number
Website
Largest Competitors
Alexandria, VA
Alexandria, VA
Alexandria, VA
Alexandria, VA
Alexandria, VA