Spero Financial Federal Credit Union

Greenville, SC

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.60
Capitalization Index	5.40
Liquidity Index	2.30
Profitability Index	3.00
Stability Index	3.70

Company Info	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	550
Phone Number	(864) 232-5553
Website	spero.financial

Asset Quality	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.78%
5-Year Asset Growth	12.52%
5-Year Charge-Offs to Average Loans	0.61%
Charge-Offs to Average Loans	0.79%
Non-Performing Assets to Assets	0.57%
Non-Performing Loans to Capital	6.49%
Non-Performing Loans to Loans	0.64%

Balance Sheet	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Total Assets	704.30M
Total Deposits	642.90M

Capital and Reserves	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Capital	54.37M
Leverage Ratio	8.26
Loan Loss Reserves to Loans	1.16%

Liquidity	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	25.38%
Liquidity Ratio	10.34%

Profitability	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.02%
Net Income	928.00K
Net Interest Spread	4.24%
Operating Profit to Average Assets	1.17%
Overhead Efficiency Ratio	78.40%
Return on Assets	0.53%
Return on Equity	6.92%