Spero Financial Federal Credit Union

Greenville, SC

Rating Date

May 2024

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	7.80
Capitalization Index	5.50
Liquidity Index	2.50
Profitability Index	2.90
Stability Index	5.20

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	-0.09%
5-Year Asset Growth	13.85%
5-Year Charge-Offs to Average Loans	0.68%
Charge-Offs to Average Loans	0.98%
Non-Performing Assets to Assets	0.47%
Non-Performing Loans to Capital	5.41%
Non-Performing Loans to Loans	0.50%

Balance Sheet	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Total Assets	709.84M
Total Deposits	649.16M

Capital and Reserves	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Capital	55.81M
Leverage Ratio	8.62
Loan Loss Reserves to Loans	0.85%

Liquidity	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	26.72%
Liquidity Ratio	13.18%

Profitability	Spero Financial Federal Credit Union Greenville, SC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.21%
Net Income	-756.00K
Net Interest Spread	3.95%
Operating Profit to Average Assets	0.38%
Overhead Efficiency Ratio	91.70%
Return on Assets	-0.43%
Return on Equity	-5.38%