SPERO FINANCIAL
Federal • Greenville, South Carolina • Est. 1935
Quick Facts
- Charter Number
- #361
- Type
- Federal
- Established
- 1935
- Headquarters
- Greenville, South Carolina 29603
- Address
- PO Box 10708
- Branches
- 11
- ATMs
- 10
- Members
- 45,865
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
45,865 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SPERO FINANCIAL |
|---|---|
| Total Assets | $707.0M |
| Members | 45,865 |
| Loans Outstanding | $577.7M |
| Shares & Deposits | $627.3M |
| Net Worth | $57.8M |
| Net Worth Ratio | 8.17% |
| Loan-to-Share Ratio | 92.1% |
| Delinquency Rate | 0.78% |
| Net Income | +$6,888,182 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View South Carolina RankingsFrequently Asked Questions
Yes. SPERO FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SPERO FINANCIAL has 45,865 members and a potential membership field of 1,182,752 people.
SPERO FINANCIAL's net worth ratio is 8.17% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 8.2%, SPERO FINANCIAL meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SPERO FINANCIAL. All financial data is for informational purposes only.