Greenville, South Carolina · Peer group 6
Spero Financial Credit Union
Spero Financial Credit Union holds $712.1M in assets across 45,420 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1935. Charter number 361, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $712.1M |
|---|---|
| Total loans | $573.9M |
| Total shares (deposits) | $634.0M |
| Net worth | $57.8M |
| Members | 45,420 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.1% | |
|---|---|---|
| Loans | 0.7% | around the 25th percentile of its peer group |
| Deposits | -1.4% | lower than 91% of its peer group |
| Members | -6.0% | lower than 94% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 90.5% | around the 69th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.1% | lower than 95% of its peer group |
| Return on assets | 0.00% | lower than 95% of its peer group |
| Delinquency ratio | 0.81% | around the 67th percentile of its peer group |
| Cash / assets | 9.4% | around the 60th percentile of its peer group |
| Borrowings / assets | 2.3% | around the 58th percentile of its peer group |
What this page does not show
Everything above is Spero Financial Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within South Carolina — the comparison set a peer ratio is measured against.
- Cpm Credit Union
NORTH CHARLESTO, SC
$742.0M · 66,965 members
- Family Trust Credit Union
Rock Hill, SC
$804.3M · 59,524 members
- Greenville Credit Union
Greenville, SC
$510.6M · 35,393 members
- Carolina Trust Credit Union
MYRTLE BEACH, SC
$419.6M · 40,399 members
- Mtc Credit Union
Greenville, SC
$299.9M · 15,990 members
- Spc Credit Union
HARTSVILLE, SC
$266.2M · 25,924 members
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