Spero Financial
Greenville, SC · Charter 361 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$701.5MAssets
$586.9MLoans
$623.1MShares
$58.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 45% of credit unions under $1B in assets (rank 925 of 1683).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1597 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.12%
Rank 1,436 of 1,683
Net Interest Margin
3.72%
Rank 925 of 1,683
Efficiency Ratio
84.02%
Rank 1,142 of 1,682
Equity / Assets
8.30%
Rank 1,597 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,436 / 1,683 | |
| Return on Equity | 1.41% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,395 / 1,681 | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 925 / 1,683 | |
| Efficiency Ratio | 84.02% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,142 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,085 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.30% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,597 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.30% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,597 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 94.20% | 52.61% | 69.38% | 83.50% | 92nd pctl | 128 / 1,683 | |
| Loans / Assets | 83.67% | 44.71% | 59.18% | 70.72% | 96th pctl | 66 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |