SPERO FINANCIAL
Federal • Greenville, South Carolina • Est. 1935
Quick Facts
- Charter Number
- #361
- Type
- Federal
- Established
- 1935
- Headquarters
- Greenville, South Carolina 29601-2237
- Address
- 420 E Park Ave Ste 100
- Branches
- 11
- ATMs
- 10
- Members
- 45,420
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
45,420 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SPERO FINANCIAL |
|---|---|
| Total Assets | $712.1M |
| Members | 45,420 |
| Loans Outstanding | $573.9M |
| Shares & Deposits | $634.0M |
| Net Worth | $57.8M |
| Net Worth Ratio | 8.12% |
| Loan-to-Share Ratio | 90.5% |
| Delinquency Rate | 0.81% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
11 locations · 10 ATMs
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
Who Can Join SPERO FINANCIAL?
Membership Type: Community
Membership eligibility for SPERO FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact SPERO FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in South Carolina
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View South Carolina RankingsFrequently Asked Questions
SPERO FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SPERO FINANCIAL has 45,420 members and a potential membership field of 1,182,529 people.
SPERO FINANCIAL's reported net worth ratio is 8.12% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SPERO FINANCIAL operates 11 branch locations and has access to 10 ATMs. The main office is located at 420 E Park Ave Ste 100, Greenville, SC 29601-2237.
SPERO FINANCIAL was established in 1935. It is a federal credit union chartered under charter number 361. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SPERO FINANCIAL. All financial data is for informational purposes only.