PackageTrendsPeer
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Berkeley Community

Moncks Corner, SC · Charter 13472

NCUA · 2 branches

Q2 2026

$16.6MAssets
$4.6MLoans
$13.3MShares
$3.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.51%, down 140 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 5.60% of loans (+240 bps YoY).
  • Capital: net worth / assets of 19.70%, up 346 bps from a year ago.
  • Funding: loans stand at 34.54% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.51%-140 bps YoY

Net Interest Margin (quarter, annualized)

4.55%-11 bps YoY

Efficiency Ratio (quarter, annualized)

61.97%+2,573 bps YoY

Net Worth / Assets

19.70%+346 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.91%3.47%3.21%2.54%2.51%-140 bps
Return on Equity24.10%20.26%17.74%13.46%12.75%-1,134 bps
Net Interest Margin4.65%4.80%4.89%4.49%4.55%-11 bps
Efficiency Ratio36.24%45.03%47.20%61.38%61.97%+2,573 bps
Growth
Asset Growth (YoY)9.83%7.05%5.08%-2.40%-5.88%-1,571 bps
Loan Growth (YoY)-7.05%-3.97%-7.15%-8.77%-10.74%-369 bps
Share Growth (YoY)9.22%5.50%3.21%-5.42%-9.33%-1,856 bps
Asset Quality
Delinquent Loans / Loans3.20%1.92%3.40%3.09%5.60%+240 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.24%17.12%18.09%18.83%19.70%+346 bps
Net Worth / Assets16.24%17.12%18.09%18.83%19.70%+346 bps
Liquidity & Funding
Loans / Shares35.09%35.43%36.55%35.72%34.54%-55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps