BERKELEY COUNTY PUBLIC SCHOOLS
Charter #21499 · Martinsburg, WV · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.67% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.17% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.07% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 COUNTY PUBLIC SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.13M | 87th pct | 39th pct |
| Members | 1,043 | 84th pct | 49th pct |
| Net worth ratio | 9.67% | 12th pct | 23th pct |
| Return on average assets | 1.17% | 77th pct | 77th pct |
| Net interest margin | 4.46% | 63th pct | 74th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 50.49% | 41th pct | 39th pct |
| Delinquency 60+ days | 0.11% | 31th pct | 38th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -4.05% | 56th pct | 48th pct |
| Share growth YoY | 5.77% | 83th pct | 72th pct |
| Efficiency ratio | 72.07% | 27th pct | 20th pct |
structural peer set hash: d9140cc4d26b66fcd8d17440b1b74a7d… (reproducible)
Closest structural peers
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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.