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
Call Report peers
Berkeley Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Berkeley Community sits in 55-59 with 115 others.
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 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).
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.
- No scored South Carolina credit union ranks lower; the next one up, SHARONVIEW (#45) scores 59/100, 1 point higher.
Berkeley Community Call Report trajectory
Berkeley Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $17.0M (2025Q4) to $16.9M (2026Q1).
- Net-worth ratio shifted +0.74 pp (18.09% → 18.83%).
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
Berkeley Community gives up 42 points in total. Delinquency Rate costs the most, 21.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Berkeley Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Berkeley Community scores 58/100 (Fair), with a 18.83% net worth ratio and 3.40% of loans delinquent. It ranks #4,106 of 4,374 nationally on health and #46 of 46 in South Carolina.
How does Berkeley Community compare to other credit unions?
Berkeley Community scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.83% vs 14.86%). Its widest shortfall is loan-to-share ratio (36.55% vs 59.80%).
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?
Berkeley Community is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.