Spero Financial

Greenville, SC · 1 · Charter #361 · www.spero.financial
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$707.0M
78th percentile
Members
45,865
83th percentile
Total loans
$577.7M
88th percentile
Total shares
$627.3M
82th percentile

Profitability

Return on assets
0.96%
49th percentile
Net interest margin
3.75%
70th percentile
Efficiency ratio
56.13%
64th percentile
Non-interest income ratio
19.94%
56th percentile

Capital & Risk

Net worth ratio
8.17%
6th percentile
Delinquency rate
0.78%
44th percentile
Net charge-off rate
0.79%
18th percentile
Loan-to-share
92.09%
79th percentile

Growth

Member growth YoY
-5.77%
8th percentile
Asset growth YoY
0.70%
16th percentile
Loan growth YoY
1.37%
35th percentile
Share growth YoY
-1.75%
6th percentile

Operations

Members / branch
4,587
49th percentile
Assets / member
$15,415
44th percentile
Field of membership penetration
3.88%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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