# BERKELEY COMMUNITY
Moncks Corner, SC · NCUA charter 13472 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/berkeley-community-13472

Who the members are: federal charter, community charter, organized 1960, low-income designated. 2,111 members of 229,861 potential (0.9% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.9M |
| Members | 2,111 (-19.6% YoY) |
| Full-time staff | 6 |
| Net worth | $3.2M |
| Net worth ratio | 18.8% (p70 of band) |
| ROA (annualized) | 2.54% (p96 of band) |
| Total delinquency | 3.09% (p87 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 36% (p20 of band) |
| Cash / assets | 68.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.49% (p73 of band) |
| Operating expense / assets | 4.03% (p61 of band) |
| Vehicles % of loans | 75% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.40% (p89 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.19% (p94 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 6% |
| Average share balance | $3,142 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $3,023 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 3 | expense trap |  |
| 2016-09 | 2 |  | expense trap |
| 2016-12 | 5 | net worth falling, expense trap, repo signal |  |
| 2017-03 | 4 |  | net worth falling |
| 2017-06 | 6 | members leaving, loan book shrinking |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 6 | margin squeeze | members leaving |
| 2018-06 | 8 | net worth falling, members leaving |  |
| 2018-09 | 6 |  | net worth falling, members leaving |
| 2018-12 | 5 | members leaving | expense trap, loan book shrinking |
| 2019-03 | 5 | loan book shrinking | margin squeeze |
| 2019-06 | 7 | net worth falling, delinquency rising |  |
| 2019-09 | 6 |  | delinquency rising |
| 2019-12 | 5 |  | net worth falling |
| 2020-03 | 7 | losing money, margin squeeze, delinquency rising | members leaving |
| 2020-06 | 6 |  | delinquency rising |
| 2020-09 | 6 | net worth falling | loan book shrinking |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 5 | members leaving | margin squeeze, net worth falling |
| 2022-03 | 4 |  | losing money |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | members leaving |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 4 | assets shrinking | members leaving |
| 2023-12 | 2 |  | repo signal, assets shrinking |
| 2024-03 | 5 | delinquency rising, repo signal, assets shrinking |  |
| 2024-06 | 3 |  | delinquency rising, assets shrinking |
| 2024-09 | 2 |  | repo signal |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2025-06 | 4 | margin squeeze, delinquency rising | charge-offs p90 |
| 2025-09 | 3 | members leaving | margin squeeze, delinquency rising |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-08 [Best Banks and Credit Unions in Michigan 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNemE4TFFGZFhsWDVlS2JUR2JKYzY1YzJseVY1a0hOU0ZPV3lEZFBYSExYYTdpS245ZURXUUJzVi02Y041ZDFfLUY4SWhIUUlvMl9FVGlRc04wQm5HbHRBWDREejBYQUs4MEs2WGFCci1UdWxXc3JESDAxX0M2cmNnLWxlVEcwdTdTRHd0OUdYaw?oc=5) · Newsweek Rankings
- 2024-03-04 [Shop Talk: Parties trump toil at former co-working space; new tattoo shop on San Pablo - Berkeleyside](https://news.google.com/rss/articles/CBMikwFBVV95cUxQYnZZMEZQSW51RnRDQlRsVHozc21vc1lOR2FmZVJ6YVhpVi1TdXM2cUgxMkVVc2J1dHRMMnFtYU1MWEJnTXdkU2hIeXpKSjlZNWdBZXU3R09nN00tby1tNkpGQ2g0YkU5WXB6ekpkV0w5a2FJUl94QjhLUHFvelY0T0xjRUcxT2lMNmV4YXdEbjFGS2c?oc=5) · Berkeleyside

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13472 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "13472", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13472
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide