BERKELEY COMMUNITY
Charter #13472 · Moncks Corner, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.53% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.48% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.09% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 69th — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BERKELEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.88M | 27th pct | 43th pct |
| Members | 2,111 | 50th pct | 61th pct |
| Net worth ratio | 18.83% | 81th pct | 59th pct |
| Return on average assets | 2.53% | 98th pct | 97th pct |
| Net interest margin | 4.48% | 78th pct | 84th pct |
| Cost of funds | 0.13% | 9th pct | 5th pct |
| Loan-to-share | 35.72% | 16th pct | 31th pct |
| Delinquency 60+ days | 3.09% | 93th pct | 87th pct |
| Net charge-off ratio | 0.00% | 23th pct | 30th pct |
| Loan growth YoY | -3.97% | 39th pct | 69th pct |
| Share growth YoY | -4.76% | 4th pct | 7th pct |
| Efficiency ratio | 61.38% | 13th pct | 28th pct |
structural peer set hash: 9c335546a83168df8701924dadd3c5de… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.