Credit union · NCUA insured
BCPSFCU
A $8.1M credit union headquartered in Martinsburg, WV, with 1,043 members and 1 branch in West Virginia. Best rates: savings 0.00% APY.
BCPSFCU Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#18 of 21 in Hagerstown, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BCPSFCU
Founded in 1973, Berkeley County Public Schools Federal Credit Union is a member-owned, non-profit financial cooperative.
- Headquarters
- 401 S Queen St Trlr 1A, Martinsburg, WV 25401-3233
- NCUA charter
- 21499
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Full time employees of Berkeley County Schools are eligible to join.
Family and household
- Immediate family members (spouses, children, parents, brothers, sisters, grandparents, and grandchildren) of members are eligible to join.
Cost to join
- A $5.00 membership fee is required at the time of opening an account.
- A minimum share deposit of $5.00 in a shares (savings) account is required to establish ownership.
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Main OfficeMain office401 S Queen St Trlr 1A, Martinsburg, WV 25401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.10% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.10% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio10.10%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.10%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of BCPSFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.