Federal credit union · Greenville, South Carolina · NCUA charter #361
Spero Financial
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $707.0M
- Total assets
- 45,865
- Members
- 8.1%
- Net-worth ratio
Spero Financial scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $707.0M; members 45,865; net-worth ratio 8.12%; health rank #3,965 of 4,374; healthier than 9th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,965 of 4,374 health · 2025Q4Spero Financial · health 63/100 · $707.0M · 2025Q4
- CHARTER 63/100
- NCUSIF 8.1%
- CAMELS 0.78%
- HEALTH -0.36%
- NW $707.0M
- DELQ 45,865
- ROA #3,965/4,374
- ASSETS America's Credit Union, a
- MEM 361
Call Report peers
Spero Financial in the assets neighbourhood
Spero Financial's $707.0M assets sit next to America's Credit Union, a ($706.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Spero Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 92.09% here, 83.90% peer average (+8.19 pp).
- Largest lag: Net Worth Ratio at 8.12% vs peer 11.18% (-3.06 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Spero Financial in South Carolina
- Health composite ranks #44 of 46 among scored South Carolina credit unions.
- By total assets, Spero Financial is #11 of 46 in South Carolina.
- Membership ranks #12 of 46 among South Carolina CUs with a reported count (45,865 members).
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Spero Financial
Spero Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $707.0M (2025Q4) to $712.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.17% → 8.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 25.3 pts
- Delinquency Rate 22.2 pts
- Return on Assets 1.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.2 pts
Spero Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.12% | -3.06 pp |
| Delinquency Rate | 0.78% | -0.09 pp |
| Return on Assets | -0.36% | -0.87 pp |
| Member Growth | -5.77% | - |
| Loan-to-Share Ratio | 92.09% | +8.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $712.1M | - |
| 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
Branch Locations (11)
Per its most recent NCUA branch filing, Spero Financial runs 11 offices in 7 different cities.
| Office | City |
|---|---|
| Park Avenue (Main Office) | Greenville, SC |
| Anderson- Main | Anderson, SC |
| Anderson-Pearman Dairy | Anderson, SC |
| Anderson- Highway 81 | Anderson, SC |
| Columbia Branch | Columbia, SC |
| Easley Branch | Easley, SC |
| Mills Avenue | Greenville, SC |
| Verdae Branch | Greenville, SC |
| Five Forks Branch | Simpsonville, SC |
| Spartanburg Branch | Spartanburg, SC |
| Taylors Branch | Taylors, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Spero Financial's nationwide photo peers by assets and by health score, excluding South Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($707.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Spero Financial ranks #3,965 of 4,374 nationally on financial health and #44 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CPM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CPM
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,965 of 4,374; by total assets it ranks #613 of 4,374 nationally (same basis as /rankings/largest); and #11 of 46 within South Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.12% net worth ratio and a 0.78% delinquency rate.
How does Spero Financial compare to other credit unions?
Spero Financial scores 63/100 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 8.12% exceeds 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.
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.