Berkeley County Public Schools Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 6.5.
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 28.2 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (8.1) profitability.
Asset Mix:
Consumer loans (54%), other (46%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
401 South Queen Street
Martinsburg, WV 25401
Martinsburg, WV 25401
Phone Number
(304) 263-0902
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
Fairmont, WV
Martinsburg, WV
Martinsburg, WV