Berkeley County Public Schools
Martinsburg, WV · Charter 21499 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.0MAssets
$3.6MLoans
$7.2MShares
$810KNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 178 of 1681).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets (rank 1322 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.15%
Rank 454 of 1,683
Net Interest Margin
4.46%
Rank 346 of 1,683
Efficiency Ratio
72.36%
Rank 556 of 1,682
Equity / Assets
10.10%
Rank 1,322 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 454 / 1,683 | |
| Return on Equity | 11.36% | 2.67% | 5.89% | 8.74% | Beats 89% | 178 / 1,681 | |
| Net Interest Margin | 4.46% | 3.31% | 3.82% | 4.32% | Beats 79% | 346 / 1,683 | |
| Efficiency Ratio | 72.36% | 68.91% | 78.20% | 86.93% | Beats 67% | 556 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 244 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.10% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,322 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.10% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,322 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.47% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,314 / 1,683 | |
| Loans / Assets | 45.32% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,248 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |