Federal credit union · Martinsburg, West Virginia · NCUA charter #21499
Berkeley County Public Schools
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $7.8M
- Total assets
- 1,037
- Members
- 9.7%
- Net-worth ratio
Berkeley County Public Schools scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.8M; members 1,037; net-worth ratio 9.67%; health rank #2,164 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,164 of 4,374 health · 2025Q4Berkeley County Public Scho… · health 84/100 · $7.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Berkeley County Public Schools vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Berkeley County Public Schools sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Berkeley County Public Schools vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.13% here, 1.81% peer average (-1.68 pp).
- Largest lag: Loan-to-Share Ratio at 52.13% vs peer 63.60% (-11.47 pp).
Where Berkeley County Public Schools sits in West Virginia
- West Virginia health ordinal: #32 of 74.
- West Virginia assets place: #61 of 74.
- Member book place in West Virginia: #56 of 74.
- One place up in West Virginia, Marshall County (#31) ties at 84/100; one place down, Marion County School Employees (#33) scores 83/100, 1 point lower.
Quarter path for Berkeley County Public Schools
Berkeley County Public Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $7.8M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.84% → 9.67%).
9.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Berkeley County Public Schools gives up 16 points in total. Member Growth costs the most, 11.6 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 11.4 pts
Call Report ratios for Berkeley County Public Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.67% | -9.39 pp |
| Delinquency Rate | 0.13% | -1.68 pp |
| Return on Assets | 1.65% | +1.20 pp |
| Member Growth | -3.08% | - |
| Loan-to-Share Ratio | 52.13% | -11.47 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Berkeley County Public Schools
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $7.8M | 1,037 |
| 2024Q4 | $7.7M | 1,070 |
| 2023Q4 | $8.2M | 1,111 |
Credit Union Details
- Charter Number
- 21499
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- West Virginia
- City
- Martinsburg
- Data Quarter
- 2025Q4
Branch Locations (3)
Berkeley County Public Schools operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Martinsburg, WV |
| Disaster Recovery Location | Martinsburg, WV |
| Vital Records Site | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- CITY OF CLARKSBURGCLARKSBURG, WV · $2M–$10M83Health
- ALDERSON FCIAlderson, WV · $2M–$10M62Health
- PACEHuntington, WV · $2M–$10M77Health
- FAYETTEMOUNT HOPE, WV · $2M–$10M82Health
- MARION COUNTY SCHOOL EMPLOYEESFairmont, WV · $2M–$10M83Health
Compare Berkeley County Public Schools vs CITY OF CLARKSBURG
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Berkeley County Public Schools ranks #2,164 of 4,374 nationally on financial health and #32 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City of Clarksburg is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City of Clarksburg
Frequently Asked Questions
Is Berkeley County Public Schools financially healthy?
On its 2025Q4 NCUA 5300 filing, Berkeley County Public Schools scores 84/100 (Excellent), with a 9.67% net worth ratio and 0.13% of loans delinquent. It ranks #2,164 of 4,374 nationally on health and #32 of 74 in West Virginia.
How does Berkeley County Public Schools compare to other credit unions?
Berkeley County Public Schools scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.13% vs 1.81%). Its widest shortfall is loan-to-share ratio (52.13% vs 63.60%).
How can I join Berkeley County Public Schools?
Berkeley County Public Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Berkeley County Public Schools directly to confirm eligibility.
Is my money safe at Berkeley County Public Schools?
Berkeley County Public Schools 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 County Public Schools's net worth ratio of 9.67% 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.