Berkeley Community
Moncks Corner, SC · Charter 13472 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$16.6MAssets
$4.6MLoans
$13.3MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 98% of credit unions under $1B in assets (rank 27 of 1683).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets (rank 1634 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.51%
Rank 27 of 1,683
Net Interest Margin
4.55%
Rank 302 of 1,683
Efficiency Ratio
61.89%
Rank 219 of 1,682
Equity / Assets
19.70%
Rank 239 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.51% | 0.35% | 0.74% | 1.18% | Beats 98% | 27 / 1,683 | | |
| Return on Equity | 12.74% | 2.67% | 5.89% | 8.74% | Beats 94% | 103 / 1,681 | | |
| Net Interest Margin | 4.55% | 3.31% | 3.82% | 4.32% | Beats 82% | 302 / 1,683 | | |
| Efficiency Ratio | 61.89% | 68.91% | 78.20% | 86.93% | Beats 87% | 219 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.60% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,634 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.70% | 10.44% | 12.89% | 16.53% | Beats 86% | 239 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.70% | 10.44% | 12.89% | 16.53% | Beats 86% | 239 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 34.54% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,560 / 1,683 | | |
| Loans / Assets | 27.67% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,579 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |