BlastPoint's Credit Union Scorecard
BERKELEY COUNTY PUBLIC SCHOOLS
Charter #21499 · WV
BERKELEY COUNTY PUBLIC SCHOOLS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,037
-3.1% YoY0% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$7.8M
+0.9% YoY+1.0% QoQ
|
$-22.4M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$3.6M
-8.7% YoY-5.6% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$7.0M
-0.7% YoY+0.8% QoQ
|
$-18.7M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
1.6%
-6.8% YoY-0.8% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 14.6% in tier |
| NIM |
4.6%
+0.3% YoY+0.1% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
65.8%
+4.1% YoY+0.6% QoQ
|
-16.7% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.1%
-23.0% YoY-4.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
52.1%
-8.1% YoY-6.4% QoQ
|
-8.5% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$10,253
-0.5% YoY-1.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)