PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Preston

Kingwood, WV · Charter 23015

NCUA · 1 branch

Q2 2026

$31.2MAssets
$10.6MLoans
$26.9MShares
$4.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.35%, up 82 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.10% of loans (+11 bps YoY).
  • Capital: net worth / assets of 13.63%, up 67 bps from a year ago.
  • Funding: loans stand at 39.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+82 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+84 bps YoY

Efficiency Ratio (YTD, annualized)

59.05%-1,467 bps YoY

Net Worth / Assets

13.63%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.97%1.28%1.08%1.35%+82 bps
Return on Equity4.11%7.35%9.53%8.01%9.89%+578 bps
Net Interest Margin2.55%2.86%3.23%3.39%3.39%+84 bps
Efficiency Ratio73.72%64.12%60.89%56.48%59.05%-1,467 bps
Growth
Asset Growth (YoY)1.65%4.95%1.92%3.70%4.62%+297 bps
Loan Growth (YoY)5.38%5.00%15.94%13.08%17.20%+1,183 bps
Share Growth (YoY)1.10%4.53%1.09%2.86%3.74%+263 bps
Asset Quality
Delinquent Loans / Loans0.99%0.77%0.91%0.57%1.10%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.95%13.17%13.42%13.54%13.63%+67 bps
Net Worth / Assets12.95%13.17%13.42%13.54%13.63%+67 bps
Liquidity & Funding
Loans / Shares34.70%34.95%37.50%36.93%39.21%+451 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps