BlastPoint's Credit Union Scorecard
BERKELEY COMMUNITY
Charter #13472 · SC
BERKELEY COMMUNITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.62% above tier average
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.05% above tier average
- - Member decline: -17.6% YoY
- - Member Growth Rate: Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 8.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits -9.3% year over year ($13.3M in shares and deposits).
- Membership: 2,103 members, -17.6% vs a year ago.
- Delinquency rate 5.60%.
- Return on assets 2.16%.
- Efficiency ratio 67.12% vs a 88.77% peer average.
- Loan-to-share ratio 34.54% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,103
-17.6% YoY-0.4% QoQ
|
-482 |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$16.6M
-5.9% YoY-1.4% QoQ
|
$-13.6M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$4.6M
-10.7% YoY-5.4% QoQ
|
$-10.9M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$13.3M
-9.3% YoY-2.1% QoQ
|
$-12.5M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
2.2%
-45.5% YoY-14.9% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Top 7.9% in tier |
| NIM |
4.5%
-4.1% YoY+0.5% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
67.1%
+85.2% YoY+9.4% QoQ
|
-21.6% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
5.6%
+75.2% YoY+81.1% QoQ
|
+4.1 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.6% in tier |
| Loan To Share |
34.5%
-1.6% YoY-3.3% QoQ
|
-24.3% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$8,530
+9.6% YoY-2.6% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
5.9%
-16.3% YoY+0.4% QoQ
|
-18.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)