BlastPoint's Credit Union Scorecard
BERKELEY COMMUNITY
Charter #13472 · SC
BERKELEY COMMUNITY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.39% above tier average
- + Net Interest Margin 0.49% above tier average
- + AMR Growth Rate: Top 4.1% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.59% above tier average
- - Member decline: -19.6% YoY
- - Member Growth Rate: Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,111
-19.6% YoY-13.5% QoQ
|
-565 |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$16.9M
-2.4% YoY-0.6% QoQ
|
$-13.3M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$4.9M
-8.8% YoY-3.4% QoQ
|
$-10.4M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$13.6M
-5.4% YoY-1.2% QoQ
|
$-12.2M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
2.5%
-54.2% YoY-20.0% QoQ
|
+2.4% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Top 3.0% in tier |
| NIM |
4.5%
-6.5% YoY-7.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
61.4%
+309.1% YoY+30.0% QoQ
|
-29.3% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
3.1%
+51.8% YoY-9.1% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.8% in tier |
| Loan To Share |
35.7%
-3.5% YoY-2.3% QoQ
|
-22.8% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$8,760
+16.4% YoY+13.5% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
5.9%
-23.8% YoY-0.5% QoQ
|
-18.4% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 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)