SPECTRA

Charter #5380 | VA

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in VA

SPECTRA has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 6.8% in tier
  • + Relationship Depth Leader: Top 13.7% in tier
  • + Organic Growth Engine: Top 20.2% in tier
  • + Wallet Share Momentum: Top 24.8% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 18.6% in tier
  • - ROA 0.65% below tier average
  • - Efficiency ratio 13.63% above tier (higher cost structure)
  • - Delinquency rate 0.19% above tier average
  • - Fee Income Per Member: Bottom 4.1% in tier
  • - Net Worth Ratio: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 29,498
+4.8% YoY+1.5% QoQ
 -10.3K 39,752
-2.7% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 16.6% in tier
Assets $579.7M
+6.8% YoY-2.1% QoQ
 $-42.7M $622.4M
+0.3% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 35th in tier
Loans $362.8M
+1.3% YoY-2.4% QoQ
 $-73.2M $435.9M
-0.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 19.5% in tier
Deposits $532.2M
+13.3% YoY-2.1% QoQ
 $-5.9M $538.0M
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 46th in tier
ROA 0.0%
-102.5% YoY-60.6% QoQ
 -0.6% 0.7%
+33.9% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 6.5% in tier
NIM 2.9%
-10.9% YoY+1.7% QoQ
 -0.5% 3.4%
+8.6% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 Bottom 16.0% in tier
Efficiency Ratio 91.7%
+2.5% YoY-0.9% QoQ
 +13.6% 78.1%
-3.4% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 7.1% in tier
Delinquency Rate 1.0%
-47.3% YoY-27.3% QoQ
 +0.2 0.8%
-4.9% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 73rd in tier
Loan To Share 68.2%
-10.6% YoY-0.3% QoQ
 -12.9% 81.0%
-1.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Bottom 16.0% in tier
AMR $30,339
+3.2% YoY-3.7% QoQ
 +$4K $26,482
+2.6% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Top 21.9% in tier
CD Concentration 30.3%
+46.4% YoY-0.1% QoQ
 +5.9% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 71st in tier
Indirect Auto % 0.0%
-100.0% YoY-100.0% QoQ
 -14.0% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#91 of 430 • Top 6.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.75%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#379 of 1006 • Top 13.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.21%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#370 of 603 • Top 20.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.75%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.01%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#683 of 1006 • Top 24.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.21%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk
#329 of 521 • Bottom 18.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 91.73%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.55% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 4.75%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
10
Deposit Growth Rate
growth
Value: 13.29%
Peer Avg: 5.25%
#10 of 169 Top 5.3% in 500M-750M tier
22
Member Growth Rate
growth
Value: 4.75%
Peer Avg: 1.75%
#22 of 169 Top 12.4% in 500M-750M tier
37
Average Member Relationship (AMR)
engagement
Value: $30,339
Peer Avg: $26,482
#37 of 169 Top 21.3% in 500M-750M tier
41
Asset Growth Rate
growth
Value: 6.81%
Peer Avg: 4.33%
#41 of 169 Top 23.7% in 500M-750M tier
41
Members Per Employee (MPE)
engagement
Value: 388.132
Peer Avg: 338.010
#41 of 169 Top 23.7% in 500M-750M tier
43
First Mortgage Concentration (%)
balance_sheet
Value: 21.96%
Peer Avg: 33.53%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (9 metrics)

163
Fee Income Per Member
profitability
Value: $87.09
Peer Avg: $199.27
#163 of 169 Bottom 4.1% in 500M-750M tier
158
Return on Assets (ROA)
profitability
Value: 0.01%
Peer Avg: 0.66%
#158 of 169 Bottom 7.1% in 500M-750M tier
158
Efficiency Ratio
profitability
Value: 91.73%
Peer Avg: 78.10%
#158 of 169 Bottom 7.1% in 500M-750M tier
155
Net Worth Ratio
risk
Value: 8.33%
Peer Avg: 10.94%
#155 of 169 Bottom 8.9% in 500M-750M tier
142
Net Interest Margin (NIM)
profitability
Value: 2.89%
Peer Avg: 3.43%
#142 of 169 Bottom 16.6% in 500M-750M tier
142
Loan-to-Share Ratio
balance_sheet
Value: 68.17%
Peer Avg: 81.02%
#142 of 169 Bottom 16.6% in 500M-750M tier
141
Total Members
engagement
Value: 29,498
Peer Avg: 39,752
#141 of 169 Bottom 17.2% in 500M-750M tier
137
Net Charge-Off Rate
risk
Value: 0.81%
Peer Avg: 0.51%
#137 of 169 Bottom 19.5% in 500M-750M tier
136
Total Loans
balance_sheet
Value: $362.77M
Peer Avg: $435.95M
#136 of 169 Bottom 20.1% in 500M-750M tier