Side-by-side · Q2 2026 data
Spero Financial Federal Credit Union vs Family Trust Federal Credit Union
Credit union
Spero Financial Federal Credit Union
Greenville, South Carolina · $100 million – $1 billion
Credit union
Family Trust Federal Credit Union
Rock Hill, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Spero Financial Federal Credit Union | Family Trust Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 71 (stronger) |
| Capital cushion | 33 | 69 (stronger) |
| Loan quality | 69 | 76 (stronger) |
| Earnings | 25 | 61 (stronger) |
| Funding & liquidity | 66 | 66 |
| Problem-loan coverage | 81 | 90 (stronger) |
| Peer percentile | 6th | 54th |
| Total assets | $701.5M | $805.4M |
| Deposits / shares | $623.1M | $675.5M |
| Capital ratio | 8.30% | 11.85% (stronger) |
| Problem loans | 0.94% | 0.73% (stronger) |
| Net charge-offs | 0.79% | 0.42% (stronger) |
| Return on assets | 0.12% | 1.04% (stronger) |
| Loans ÷ deposits | 94.2% (stronger) | 94.6% |
| Uninsured deposits | 9.2% | 8.4% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Family Trust Federal Credit Union has the higher TellerScore (71 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Spero Financial Federal Credit Union leads on 1 and Family Trust Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.