TellerScore

Berkeley County Public Schools Federal Credit Union is a federal credit union headquartered in Martinsburg, West Virginia, in business for about 53 years. At the end of Q2 2026 it reported $8.0M in total assets and $7.2M in member shares and deposits, with 2 offices across 2 states.

Berkeley County Public Schools Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 32nd. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 0% uninsured); capital cushion contributes the least (51/100, 10.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.10%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity100/100
Loans ÷ shares: 50.5% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the earnings component weakened by 13 points.

TellerScore
667380Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202476
Q1 202566
Q2 202576
Q3 202580
Q4 202580
Q1 202676
Q2 202678
Net worth ratio
7.00%8.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.47%
Q3 20248.08%
Q4 20248.36%
Q1 20258.40%
Q2 20258.92%
Q3 20259.57%
Q4 20259.84%
Q1 20269.67%
Q2 202610.10%
Delinquent loans (60+ days)
0.00%0.53%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.16%
Q1 20251.06%
Q2 20250.15%
Q3 20250.13%
Q4 20250.13%
Q1 20260.11%
Q2 20260.10%
Return on assets
1.14%1.44%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.73%
Q4 20241.67%
Q1 20251.40%
Q2 20251.47%
Q3 20251.60%
Q4 20251.56%
Q1 20261.14%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$8.0M10.10%0.10%1.16%50.5%
Q1 202676$8.1M9.67%0.11%1.14%50.5%
Q4 202580$7.8M9.84%0.13%1.56%52.1%
Q3 202580$7.7M9.57%0.13%1.60%55.7%
Q2 202576$7.9M8.92%0.15%1.47%53.9%
Q1 202566$8.0M8.40%1.06%1.40%53.7%
Q4 202476$7.7M8.36%0.16%1.67%56.7%
Q3 202477$7.6M8.08%0.00%1.73%59.1%
Q2 202475$7.8M7.47%0.00%1.70%59.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.10%
17th
Problem loans0.10%
80th
Net charge-offs0.00%
77th
Return on assets1.16%
74th
Loans to deposits50.5%
63rd
Uninsured deposits0.0%
81st
Loan-loss reserves2.09%
90th
Texas ratio0.4%
77th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV83 out of 100, Strong$8.2M14.2%0.02%vs
Alderson Fci Federal Credit UnionCredit union Alderson, WV63 out of 100, Moderate$8.5M25.3%10.82%vs
Fayette Federal Credit UnionCredit union Mount Hope, WV89 out of 100, Very strong$8.5M24.0%0.00%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Twin Oaks Federal Credit UnionCredit union Apple Grove, WV68 out of 100, Moderate$6.6M12.4%0.60%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs

Deposit insurance

Is my money safe at Berkeley County Public Schools Federal Credit Union?

Yes. Berkeley County Public Schools Federal Credit Union is a federally insured credit union (NCUA charter #21499). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Berkeley County Public Schools Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Berkeley County Public Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
21499
RSSD ID
361484
Primary regulator
NCUA
Established
1973
Headquarters
P.O. Box 1740, Martinsburg, WV 25402
Employees
2

Quick answers

Berkeley County Public Schools Federal Credit Union: common questions

Is Berkeley County Public Schools Federal Credit Union NCUA insured?

Yes. Berkeley County Public Schools Federal Credit Union is a federally insured credit union (NCUA charter #21499). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Berkeley County Public Schools Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Berkeley County Public Schools Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Martinsburg

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Midway Federal Credit UnionCredit union Berryville, VA85 out of 100, Very strong$9.7M23.6%0.00%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs