SPERO FINANCIAL
Charter #361 · Greenville, SC · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.12% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.00% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.50% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.98% sits at the 87th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 41st — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SPERO FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $712.11M | 51th pct | 33th pct |
| Members | 45,420 | 62th pct | 41th pct |
| Net worth ratio | 8.12% | 8th pct | 11th pct |
| Return on average assets | 0.00% | 6th pct | 7th pct |
| Net interest margin | 3.61% | 59th pct | 48th pct |
| Cost of funds | 2.50% | 93th pct | 90th pct |
| Loan-to-share | 90.52% | 80th pct | 69th pct |
| Delinquency 60+ days | 0.81% | 67th pct | 69th pct |
| Net charge-off ratio | 0.98% | 86th pct | 87th pct |
| Loan growth YoY | -1.16% | 24th pct | 13th pct |
| Share growth YoY | 0.31% | 8th pct | 8th pct |
| Efficiency ratio | 84.79% | 77th pct | 74th pct |
structural peer set hash: 0e4909ea7bfa3be6b774cc4923ae95f7… (reproducible)
Closest structural peers
This is the free public view
Claim SPERO FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.