Side-by-side · Q2 2026 data
Spero Financial Federal Credit Union vs Carolina Trust Federal Credit Union
Credit union
Spero Financial Federal Credit Union
Greenville, South Carolina · $100 million – $1 billion
Credit union
Carolina Trust Federal Credit Union
Myrtle Beach, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Spero Financial Federal Credit Union | Carolina Trust Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 64 (stronger) |
| Capital cushion | 33 | 50 (stronger) |
| Loan quality | 69 | 72 (stronger) |
| Earnings | 25 | 57 (stronger) |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 81 | 87 (stronger) |
| Peer percentile | 6th | 31st |
| Total assets | $701.5M | $422.0M |
| Deposits / shares | $623.1M | $375.9M |
| Capital ratio | 8.30% | 10.04% (stronger) |
| Problem loans | 0.94% | 0.83% (stronger) |
| Net charge-offs | 0.79% | 0.68% (stronger) |
| Return on assets | 0.12% | 0.92% (stronger) |
| Loans ÷ deposits | 94.2% | 87.2% (stronger) |
| Uninsured deposits | 9.2% | 3.0% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 52.9% |
Carolina Trust Federal Credit Union has the higher TellerScore (64 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Spero Financial Federal Credit Union leads on 0 and Carolina Trust Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.