BlastPoint's Credit Union Scorecard
BERKELEY COMMUNITY
Charter #13472 · SC
BERKELEY COMMUNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.55% above tier average
- + Net Interest Margin 0.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.85% above tier average
- - Member decline: -7.1% YoY
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,440
-7.1% YoY-0.1% QoQ
|
-175 |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$17.0M
+5.1% YoY-2.4% QoQ
|
$-13.2M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$5.0M
-7.2% YoY-0.6% QoQ
|
$-10.7M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$13.8M
+3.2% YoY-3.6% QoQ
|
$-11.9M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
3.2%
+92.9% YoY-7.9% QoQ
|
+2.5% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 1.3% in tier |
| NIM |
4.8%
-7.3% YoY+1.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
47.2%
-36.7% YoY+4.8% QoQ
|
-35.4% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
3.4%
+152.6% YoY+77.5% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Top 11.1% in tier |
| Loan To Share |
36.5%
-10.0% YoY+3.2% QoQ
|
-24.1% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$7,717
+7.9% YoY-2.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
5.9%
-30.3% YoY-11.5% QoQ
|
-18.5% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)