Health Score
48/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
SPERO FINANCIAL
Health Score
48/100
Total Assets
$707.0M
Members
45,865
Greenville, South Carolina
2026 data Public-data reference. official source
SPERO FINANCIAL
Open-data reference.
48
Health Score
Below Average
Charter #
361
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
SPERO FINANCIAL — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
SPERO FINANCIAL — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 46.5%
At 6.98%, this institution is below the 7.0% NCUA well-capitalized threshold.
$707.0M
Total Assets
45,865
Members
$577.7M
Total Loans
$627.3M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.98% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -5.77% | 15% |
| Loan-to-Share Ratio | 92.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $707.0M | 45,865 |
| 2024Q4 | $702.1M | 48,675 |
| 2023Q4 | $705.8M | 50,442 |
Credit Union Details
- Charter Number
- 361
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- South Carolina
- City
- Greenville
- Data Quarter
- 2025Q4
What This Data Says About SPERO FINANCIAL
SPERO FINANCIAL is a federal credit union headquartered in Greenville, South Carolina, serving 45,865 members with $707.0M in total assets and $577.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 48/100 (Below Average), anchored by a net worth ratio of 6.98% — relative to the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #361 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 0.78% measures loans 60+ days past due against total loans outstanding — the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 92.09% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.
Every deposit account at SPERO FINANCIAL is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -5.77%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with SPERO FINANCIAL before opening any account or borrowing.
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Related Financial Data
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is SPERO FINANCIAL financially healthy?
SPERO FINANCIAL has a financial health score of 48/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.98% and delinquency rate of 0.78%.
How does SPERO FINANCIAL compare to other credit unions?
SPERO FINANCIAL scores 48/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SPERO FINANCIAL?
Membership eligibility for SPERO FINANCIAL depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact SPERO FINANCIAL directly for current membership requirements and application steps.
Is my money safe at SPERO FINANCIAL?
Federal credit unions like SPERO FINANCIAL are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000 — the same limit as FDIC-insured banks. SPERO FINANCIAL's net worth ratio of 6.98% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does SPERO FINANCIAL offer compared to banks?
Credit unions like SPERO FINANCIAL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SPERO FINANCIAL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology — how this data is sourced, computed, and verified.