Four fees from its schedule are published so far: non-network ATM $1, debit card replacement $5, check printing $0 and 1 more.
Source: its fee schedule, read Oct 18, 2026.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
8th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 18, 2026
Call-report figures are for Spectra Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Spectra Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.3% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (8th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $215K in Q2 2026, 23% above the same quarter a year earlier ($175K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 2 compared published fees sit above the Virginia median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Non-Network ATM
Debit Card Replacement
Check Printing
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for Spectra Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $215K | $0 | 0.0% |
| Q1 2026 | $215K | −$27K | −11.2% |
| Q4 2025 | $242K | +$32K | +15.2% |
| Q3 2025 | $210K | +$35K | +20.0% |
| Q2 2025 | $175K | −$27K | −13.4% |
| Q1 2025 | $202K | −$5K | −2.4% |
| Q4 2024 | $207K | −$12K | −5.5% |
| Q3 2024 | $219K | +$14K | +6.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Spectra Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Spectra Federal Credit Union by share.
Amounts from Spectra Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & Card | |||
| Non-Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement card fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign transactions | 1%of the transaction | Not stated | None |
Check Services | |||
| Spectra FCU Checks (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Spectra Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 3 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Alexandria, VA | 2 |
| Waldorf, MD | 1 |
| Washington, DC | 1 |
Largest competitors nearby
Local market: Alexandria city and Fairfax counties, VA, around its headquarters.
| 55 in its local market | Deposit share |
|---|---|
| Capital One, National Association | 43.4% |
| Truist Bank | 12.6% |
| Wells Fargo Bank, National Association | 10.8% |
| Bank of America, National Association | 7.2% |
| United Bank | 4.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows