Charter 361 · Greenville, SC
Spero Financial Federal Credit Union
Spero Financial Federal Credit Union is a federally chartered credit union in Greenville, South Carolina, with $701 million in assets and 45,560 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.30%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $701 million
- +0.2% in a year
- Members
- 45,560
- -4.9% in a year
- Net worth ratio
- 8.30%
- Peer median 10.79%
- Loans 60+ days late
- 0.94%
- Peer median 0.67%
- Loans outstanding
- $587 million
- +2.7% in a year
- Shares and deposits
- $623 million
- -2.3% in a year
- Branches
- 10
- 172 employees
- Opened
- 1935
- Federal charter
How Spero Financial Federal Credit Union compares
NCUA groups credit unions by size; Spero Financial Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.30% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.94%, is higher than the group median of 0.67%. Loans grew 2.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 12 of 45 credit unions headquartered in South Carolina. See all South Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $701 million | 45,560 | $587 million | 8.30% | 0.94% |
| Q1 2026 | $712 million | 45,420 | $574 million | 8.12% | 0.81% |
| Q4 2025 | $707 million | 45,865 | $578 million | 8.17% | 0.78% |
| Q3 2025 | $694 million | 47,585 | $581 million | 8.40% | 0.80% |
| Q2 2025 | $700 million | 47,917 | $572 million | 8.28% | 0.77% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.2 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 11 sites for Spero Financial Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Spartanburg Branch
130 N Town Dr, Spartanburg, SC 29303 - Columbia Branch
1025 Pulaski St, Columbia, SC 29201 - Taylors Branch
3237 Wade Hampton Blvd, Taylors, SC 29687 - Easley Branch
118 Brushy Creek Rd, Easley, SC 29642 - Mills Avenue
300 Mills Ave, Greenville, SC 29605 - Park Avenue (main office)
420 E Park Ave Ste 100, Greenville, SC 29601 - Verdae Branch
601 Verdae Boulevard, Greenville, SC 29607 - Five Forks Branch
117 Batesville Rd Ste 200, Simpsonville, SC 29681 - Anderson- Main
1720 N Main St, Anderson, SC 29621 - Anderson-Pearman Dairy
1434 Pearman Dairy Rd, Anderson, SC 29625 - Anderson- Highway 81
100 Hanna Xing, Anderson, SC 29621
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology