Federal credit union · Martinsburg, West Virginia · NCUA charter #21499
Berkeley County Public Schools
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $7.8M
- Total assets
- 1,037
- Members
- 9.8%
- Net-worth ratio
Berkeley County Public Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21499 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Berkeley County Public Schools - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)99
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth23
- Liquidity (loan-to-share)73
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.84% | 30% |
| Delinquency Rate | 0.13% | 25% |
| Return on Assets | 1.65% | 15% |
| Member Growth | -3.08% | 15% |
| Loan-to-Share Ratio | 52.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Berkeley County Public Schools
Charter #21499, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Berkeley County Public Schools, a federal credit union in Martinsburg, West Virginia with 1,037 members, $7.8M in total assets, and $3.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 9.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 52.13% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.13% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.65% on net income of $128K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.08%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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–$10M70Health
- FAYETTEMOUNT HOPE, WV · $2M–$10M82Health
- MARION COUNTY SCHOOL EMPLOYEESFairmont, WV · $2M–$10M83Health
Compare Berkeley County Public Schools vs CITY OF CLARKSBURG
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Berkeley County Public Schools financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Berkeley County Public Schools's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.84% net worth ratio and 0.13% delinquency rate are the key drivers.
How does Berkeley County Public Schools compare to other credit unions?
Berkeley County Public Schools scores 84/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Berkeley County Public Schools 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 County Public Schools's net worth ratio of 9.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Berkeley County Public Schools offer compared to banks?
Credit unions like Berkeley County Public Schools 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 County Public Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.