BlastPoint's Credit Union Scorecard
BERKELEY COMMUNITY
Charter #13472 · 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
|
59% |
| 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
|
45% |
| 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
|
34% |
| 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
|
44% |
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| 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
|
81% |
| 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
|
79% |
| 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
|
19% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
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)