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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.0 has resulted in Weak (2.4) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 8.1.
Asset Mix:
Consumer loans (25%), comm loans (24%), home mtgs (20%), other (31%)
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