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Berkeley County Public Schools Credit Union

Overview / Commentary
304-263-0902
P.O. Box 1740
Martinsburg, WV 25402

Berkeley County Public Schools Credit Union is headquartered in Martinsburg and is the 71st largest credit union in the state of West Virginia. It is also the 5,414st largest credit union in the nation. It was established in 1973 and as of December of 2013, it had grown to 2 employees and 1,412 members. Berkeley County Public Schools Credit Union has a C health rating.

Field of Membership Restrictions

Full time employees of Berkeley County Schools are eligible to join the BCPSFCU. Once you join the credit union, your immediate family members are also eligible to join. Immediate family members can be spouses, children, parents, brothers, sisters, grandparents, and grandchildren. - See Details

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Health

Data for Q4 2013

Institution Health

C
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Berkeley County Public Schools Credit Union has a very low asset base.

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Berkeley County Public Schools Credit Union had $47,000 in non-current loans and owned real-estate with $260,000 in equity and loan loss allowances on hand to cover it. This gives Berkeley County Public Schools Credit Union a Texas Ratio of 18.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Berkeley County Public Schools Credit Union experienced no significant changes from 14.72% as of December 31, 2012 to 18.08% as of December 31, 2013, resulting in a negative change of 22.83%. This indicates that the balance sheet and financial strength for Berkeley County Public Schools Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Berkeley County Public Schools Credit Union has increased its total deposits by $179,000, resulting in 4.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Berkeley County Public Schools Credit Union has shown is excellent.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Berkeley County Public Schools Credit Union has $4.37 million in assets with $260,000 in equity, resulting in a capitalization level of 5.95%, which is below average.

Institution Statistics

Overall
NCUA #21499
Year Chartered1973
Employees2
Primary Regulator
Assets and Liabilities
Assets$4.37 million
Loans$2.41 million
Deposits$4.12 million
Equity Capital$248,000
Loan Loss Allowance$12,000
Unbacked Noncurrent Loans$47,000
Real Estate Owned$0
Historic Data - December 2012
Assets$4.21 million
Equity Capital$258,000
Loan Loss Allowance$7,000
Unbacked Noncurrent Loans$47,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.9%
Return on Assets-0.21%
Return on Equity-3.63%
Interest Income$123,000
Rates

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Locations


Berkeley County Public Schools Credit Union Locations
Branch Office448 Eagle School RdMartinsburg, WV 25404-3372