BERKELEY COMMUNITY
Charter #13472 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in SC
BERKELEY COMMUNITY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.76% above tier average
- + Net Interest Margin 0.83% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.41% above tier average
- - Member decline: -6.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,443
-6.1% YoY-4.3% QoQ
|
-182 |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
59th in tier |
| Assets |
$17.4M
+7.0% YoY-1.6% QoQ
|
$-12.5M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
45th in tier |
| Loans |
$5.1M
-4.0% YoY-1.8% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$14.3M
+5.5% YoY-2.7% QoQ
|
$-11.1M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
3.4%
+138.2% YoY-13.0% QoQ
|
+2.8% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 1.6% in tier |
| NIM |
4.8%
-9.0% YoY+1.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 19.4% in tier |
| Efficiency Ratio |
45.0%
-41.3% YoY+24.3% QoQ
|
-36.4% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
1.9%
+17.8% YoY-40.0% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Top 21.3% in tier |
| Loan To Share |
35.4%
-9.0% YoY+1.0% QoQ
|
-25.8% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.5% in tier |
| AMR |
$7,930
+9.6% YoY+1.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.1% in tier |
| CD Concentration |
6.7%
-21.8% YoY-5.4% QoQ
|
-17.8% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
42
Return on Assets (ROA)
profitability
Value:
3.44%
Peer Avg: 0.68%
#42 of 2596
Top 1.6% in <100M tier
101
Efficiency Ratio
profitability
Value:
45.03%
Peer Avg: 81.39%
#101 of 2596
Top 3.9% in <100M tier
266
AMR Growth Rate
growth
Value:
9.59%
Peer Avg: 4.67%
#266 of 2596
Top 10.2% in <100M tier
422
Asset Growth Rate
growth
Value:
7.05%
Peer Avg: 1.82%
#422 of 2596
Top 16.2% in <100M tier
422
Members Per Employee (MPE)
engagement
Value:
488.600
Peer Avg: 365.701
#422 of 2596
Top 16.2% in <100M tier
503
Net Interest Margin (NIM)
profitability
Value:
4.76%
Peer Avg: 3.93%
#503 of 2596
Top 19.3% in <100M tier
563
Deposit Growth Rate
growth
Value:
5.50%
Peer Avg: 16.80%
#563 of 2596
Top 21.6% in <100M tier
578
Fee Income Per Member
profitability
Value:
$124.34
Peer Avg: $182.96
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (6 metrics)
2321
Net Charge-Off Rate
risk
Value:
1.26%
Peer Avg: 0.57%
#2321 of 2596
Bottom 10.6% in <100M tier
2281
Member Growth Rate
growth
Value:
-6.15%
Peer Avg: 14.92%
#2281 of 2596
Bottom 12.2% in <100M tier
2242
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,074
Peer Avg: $5,488
#2242 of 2596
Bottom 13.7% in <100M tier
2215
Loan-to-Share Ratio
balance_sheet
Value:
35.43%
Peer Avg: 61.23%
#2215 of 2596
Bottom 14.7% in <100M tier
2099
Average Member Relationship (AMR)
engagement
Value:
$7,930
Peer Avg: $14,627
#2099 of 2596
Bottom 19.2% in <100M tier
2043
Total Delinquency Rate (60+ days)
risk
Value:
1.92%
Peer Avg: 1.51%
#2043 of 2596
Bottom 21.3% in <100M tier