TellerScore

Headquartered in Greenville, South Carolina, Spero Financial Federal Credit Union is a federal credit union with $701.5M in total assets and $623.1M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Spero Financial Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 6% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 42nd. Its strongest component is problem-loan coverage (81/100; 9.6%), and its lowest is earnings (25/100; 0.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.30%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity66/100
Loans ÷ shares: 94.2% · 9.2% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (53 → 50), mostly because the loan quality component weakened by 5 points.

TellerScore
475257Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202450
Q4 202450
Q1 202557
Q2 202553
Q3 202553
Q4 202552
Q1 202650
Q2 202650
Net worth ratio
7.00%7.74%8.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.45%
Q3 20248.48%
Q4 20248.35%
Q1 20258.25%
Q2 20258.28%
Q3 20258.40%
Q4 20258.17%
Q1 20268.12%
Q2 20268.30%
Delinquent loans (60+ days)
0.60%0.77%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.60%
Q4 20240.67%
Q1 20250.64%
Q2 20250.77%
Q3 20250.80%
Q4 20250.78%
Q1 20260.81%
Q2 20260.94%
Return on assets
-0.51%0.01%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.51%
Q3 2024-0.47%
Q4 2024-0.36%
Q1 20250.53%
Q2 20250.22%
Q3 20250.21%
Q4 20250.18%
Q1 20260.00%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$701.5M8.30%0.94%0.12%94.2%
Q1 202650$712.1M8.12%0.81%0.00%90.5%
Q4 202552$707.0M8.17%0.78%0.18%92.1%
Q3 202553$694.1M8.40%0.80%0.21%91.9%
Q2 202553$700.2M8.28%0.77%0.22%89.6%
Q1 202557$704.3M8.25%0.64%0.53%88.7%
Q4 202450$702.1M8.35%0.67%-0.36%89.3%
Q3 202450$700.4M8.48%0.60%-0.47%88.6%
Q2 202447$710.5M8.45%0.90%-0.51%86.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.30%
5th
Problem loans0.94%
33rd
Net charge-offs0.79%
16th
Return on assets0.12%
8th
Loans to deposits94.2%
9th
Uninsured deposits9.2%
21st
Loan-loss reserves0.00%
50th
Texas ratio9.6%
14th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Cpm Federal Credit UnionCredit union North Charlesto, SC46 out of 100, Below average$759.3M8.9%1.92%vs
Family Trust Federal Credit UnionCredit union Rock Hill, SC71 out of 100, Strong$805.4M11.8%0.73%vs
Greenville Federal Credit UnionCredit union Greenville, SC71 out of 100, Strong$512.3M11.0%0.50%vs
Carolina Trust Federal Credit UnionCredit union Myrtle Beach, SC64 out of 100, Moderate$422.0M10.0%0.83%vs
Mtc Federal Credit UnionCredit union Greenville, SC67 out of 100, Moderate$302.6M12.7%0.90%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Spero Financial Federal Credit Union?

Yes. Spero Financial Federal Credit Union is a federally insured credit union (NCUA charter #361). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.2% of shares and deposits ($57.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.30%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Spero Financial Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spero Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
361
RSSD ID
584171
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 10708, Greenville, SC 29603
Employees
172

Quick answers

Spero Financial Federal Credit Union: common questions

Is Spero Financial Federal Credit Union NCUA insured?

Yes. Spero Financial Federal Credit Union is a federally insured credit union (NCUA charter #361). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Spero Financial Federal Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Spero Financial Federal Credit Union have?

5 offices as of the latest NCUA data.