SPECTRA
Charter #5380 · ALEXANDRIA, VA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.39% sits at the 77th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 66th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SPECTRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $552.57M | 15th pct | 36th pct |
| Members | 30,641 | 17th pct | 38th pct |
| Net worth ratio | 8.55% | 12th pct | 28th pct |
| Return on average assets | 0.03% | 7th pct | 21th pct |
| Net interest margin | 2.94% | 17th pct | 36th pct |
| Cost of funds | 1.39% | 44th pct | 48th pct |
| Loan-to-share | 73.20% | 29th pct | 23th pct |
| Delinquency 60+ days | 1.39% | 93th pct | 77th pct |
| Net charge-off ratio | 0.50% | 57th pct | 72th pct |
| Loan growth YoY | -5.14% | 3th pct | 8th pct |
| Share growth YoY | -11.66% | 0th pct | 0th pct |
| Efficiency ratio | 89.58% | 90th pct | 66th pct |
structural peer set hash: 7ff398df3a929876e2f1fb0b9866ac69… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.