Credit Union Safety Analysis
Is Spero Financial Federal Credit Union Safe? Greenville, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Spero Financial Federal Credit Union has a net worth ratio of 8.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.94%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Spero Financial Federal Credit Union's net worth ratio is 8.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.94%
- Return on assets (Q2 2026): 0.23%
- Loan-to-share ratio (Q2 2026): 94.20%
Spero Financial Federal Credit Union (NCUA charter 361, established 1935) reported $701.5M in assets and 45,560 members for Q2 2026 from Greenville, South Carolina. It ranks 12 of 45 credit unions in South Carolina by total assets. Total assets grew 0.2% from $700.2M on June 30, 2025. It has 2,357 fewer members than on June 30, 2025 (-4.9%). Its net worth ratio was up 0.02 percentage points from 8.28% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $254.7M of $586.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.94% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.12% for Q1 2026; 8.28% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.81% for Q1 2026; 0.77% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.00% for Q1 2026; -0.08% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 90.52% for Q1 2026; 89.62% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $254.7M
- Commercial loans: $116.7M
- Used vehicle loans: $111.2M
- New vehicle loans: $35.1M
- Other secured non-real estate loans and lines of credit: $28.7M
- Other unsecured loans and lines of credit: $22.9M
- Unsecured credit card loans: $17.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $701.5M | 8.30% | 0.94% | 0.23% | 94.20% |
| March 31, 2026 | $712.1M | 8.12% | 0.81% | 0.00% | 90.52% |
| December 31, 2025 | $707.0M | 8.17% | 0.78% | 0.08% | 92.09% |
| September 30, 2025 | $694.1M | 8.40% | 0.80% | 0.19% | 91.88% |
| June 30, 2025 | $700.2M | 8.28% | 0.77% | -0.08% | 89.62% |
| March 31, 2025 | $704.3M | 8.25% | 0.64% | 0.53% | 88.68% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Spero Financial Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 361) · FFIEC NIC profile (RSSD 584171)
Frequently asked questions
Is Spero Financial Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Spero Financial Federal Credit Union's net worth ratio is 8.30%, above the 7% NCUA threshold for well capitalized.
Is Spero Financial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Spero Financial Federal Credit Union is a federally insured credit union (NCUA charter 361): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Spero Financial Federal Credit Union's key safety ratios?
For Q2 2026, Spero Financial Federal Credit Union reports net worth 8.30%, delinquency 0.94%, ROA 0.23%, loan-to-share 94.20%.
What happens to my money if Spero Financial Federal Credit Union fails?
For Q2 2026, Spero Financial Federal Credit Union held $623.1M in shares and deposits for 45,560 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.