Federal credit union · Greenville, South Carolina · NCUA charter #361
Spero Financial
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $707.0M
- Total assets
- 45,865
- Members
- 7.0%
- Net-worth ratio
Spero Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #361, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Spero Financial - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)74
- Asset quality (delinquency)89
- Earnings (ROA)8
- Member growth0
- Liquidity (loan-to-share)94
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.98% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.98% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | -0.36% | 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 60/100 (Good), anchored by a net worth ratio of 6.98% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #361 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.78% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 92.09% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.36% on net income of $-2535558 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.77%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
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?
Based on NCUA 5300 Call Report data as of Q4 2025, Spero Financial carries a financial health score of 60/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.98% net worth ratio and a 0.78% delinquency rate.
How does Spero Financial compare to other credit unions?
Spero Financial scores 60/100 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?
Spero Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Spero Financial directly for the exact boundaries 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.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.