Side-by-side · Q2 2026 data
Spero Financial Federal Credit Union vs Cpm Federal Credit Union
Credit union
Spero Financial Federal Credit Union
Greenville, South Carolina · $100 million – $1 billion
Credit union
Cpm Federal Credit Union
North Charlesto, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Spero Financial Federal Credit Union | Cpm Federal Credit Union |
|---|---|---|
| TellerScore | 50 (stronger) | 46 |
| Capital cushion | 33 | 39 (stronger) |
| Loan quality | 69 (stronger) | 36 |
| Earnings | 25 | 25 |
| Funding & liquidity | 66 | 87 (stronger) |
| Problem-loan coverage | 81 (stronger) | 71 |
| Peer percentile | 6th | 3rd |
| Total assets | $701.5M | $759.3M |
| Deposits / shares | $623.1M | $688.0M |
| Capital ratio | 8.30% | 8.89% (stronger) |
| Problem loans | 0.94% (stronger) | 1.92% |
| Net charge-offs | 0.79% (stronger) | 2.19% |
| Return on assets | 0.12% | 0.12% (stronger) |
| Loans ÷ deposits | 94.2% | 73.6% (stronger) |
| Uninsured deposits | 9.2% | 4.0% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
Spero Financial Federal Credit Union has the higher TellerScore (50 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Spero Financial Federal Credit Union leads on 3 and Cpm Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.