Spero Financial Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.5 has resulted in Weak (3.0) profitability.
Other Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (7.6). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (28%), home mtgs (21%), other (51%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
420 East Park Avenue
Greenville, SC 29601
Greenville, SC 29601
Phone Number
(864) 232-5553
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
Greenville, SC
Greenville, SC
Greenville, SC