Preston
Kingwood, WV · Charter 23015 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$31.2MAssets
$10.6MLoans
$26.9MShares
$4.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets (rank 175 of 1682).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1213 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.34%
Rank 319 of 1,683
Net Interest Margin
3.39%
Rank 1,213 of 1,683
Efficiency Ratio
59.09%
Rank 175 of 1,682
Equity / Assets
13.63%
Rank 726 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 319 / 1,683 | | |
| Return on Equity | 9.86% | 2.67% | 5.89% | 8.74% | Beats 82% | 295 / 1,681 | | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,213 / 1,683 | | |
| Efficiency Ratio | 59.09% | 68.91% | 78.20% | 86.93% | Beats 90% | 175 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,180 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 10.44% | 12.89% | 16.53% | Beats 57% | 726 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.63% | 10.44% | 12.89% | 16.53% | Beats 57% | 726 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.21% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,505 / 1,683 | | |
| Loans / Assets | 33.81% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,495 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |