Federal credit union · Moncks Corner, South Carolina · NCUA charter #13472
Berkeley Community
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $17.0M
- Total assets
- 2,440
- Members
- 18.8%
- Net-worth ratio
Berkeley Community scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.0M; members 2,440; net-worth ratio 18.83%; health rank #4,106 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,106 of 4,374 health · 2025Q4Berkeley Community · health 58/100 · $17.0M · 2025Q4
- CAMELS 58/100
- HEALTH 18.8%
- NW 3.40%
- DELQ 1.57%
- ROA $17.0M
- ASSETS 2,440
- MEM #4,106/4,374
- RANK TXDOT
- PHOTO 13472
Call Report peers
Berkeley Community in the assets neighbourhood
Berkeley Community's $17.0M assets sit next to TXDOT ($17.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Berkeley Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Berkeley Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13472: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Berkeley Community vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.83% vs peer 14.86% (+3.97 pp).
- Largest lag: Loan-to-Share Ratio at 36.55% vs peer 59.80% (-23.25 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Berkeley Community in South Carolina
- South Carolina health ordinal: #46 of 46.
- Assets rank #39 of 46 inside South Carolina ($17.0M reported).
- South Carolina membership ordinal: #38 of 46.
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Berkeley Community Call Report trajectory
Berkeley Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $17.0M (2025Q4) to $16.9M (2026Q1).
- Net-worth ratio shifted +0.74 pp (18.09% → 18.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.3 pts
Berkeley Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.83% | +3.97 pp |
| Delinquency Rate | 3.40% | +2.26 pp |
| Return on Assets | 1.57% | +0.86 pp |
| Member Growth | -7.08% | - |
| Loan-to-Share Ratio | 36.55% | -23.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.9M | - |
| 2025Q4 | $17.0M | 2,440 |
| 2024Q4 | $16.2M | 2,626 |
| 2023Q4 | $16.0M | 2,572 |
Credit Union Details
- Charter Number
- 13472
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- Moncks Corner
- Data Quarter
- 2025Q4
Branch Location
Berkeley Community operates a single office in Moncks Corner, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Berkeley Community Federal Credit Union (Main Office) | Moncks Corner, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Berkeley Community - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Berkeley Community ranks #4,106 of 4,374 nationally on financial health and #46 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ANMED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ANMED
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Berkeley Community financially healthy?
Yes/no aside, the number is 58/100 (Fair) - Berkeley Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,106 of 4,374; by total assets it ranks #3,242 of 4,374 nationally (same basis as /rankings/largest); and #39 of 46 within South Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.83% net worth ratio and 3.40% delinquency rate are the key drivers.
How does Berkeley Community compare to other credit unions?
58/100 is Berkeley Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Berkeley Community?
Berkeley Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Berkeley Community directly for the exact boundaries and application steps.
Is my money safe at Berkeley Community?
Federal credit unions like Berkeley Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Berkeley Community's net worth ratio of 18.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Berkeley Community offer compared to banks?
Credit unions like Berkeley Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Berkeley Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.