Berkeley County Public Schools

Martinsburg, WV · 1 · Charter #21499 · www.bcpsfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.8M
35th percentile
Members
1,037
38th percentile
Total loans
$3.6M
35th percentile
Total shares
$7.0M
38th percentile

Profitability

Return on assets
1.56%
81th percentile
Net interest margin
4.59%
72th percentile
Efficiency ratio
65.85%
52th percentile
Non-interest income ratio
15.07%
69th percentile

Capital & Risk

Net worth ratio
9.84%
15th percentile
Delinquency rate
0.13%
76th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
52.13%
38th percentile

Growth

Member growth YoY
-3.08%
32th percentile
Asset growth YoY
0.89%
48th percentile
Loan growth YoY
-8.71%
28th percentile
Share growth YoY
-0.71%
42th percentile

Operations

Members / branch
1,037
48th percentile
Assets / member
$7,483
35th percentile
Field of membership penetration
20.74%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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