Federal credit union · KINGWOOD, West Virginia · NCUA charter #23015
PRESTON
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $30.2M
- Total assets
- 1,904
- Members
- 13.5%
- Net-worth ratio
PRESTON scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.2M; members 1,904; net-worth ratio 13.54%; health rank #1,622 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,622 of 4,374 health · 2025Q4PRESTON · health 87/100 · $30.2M · 2025Q4
Call Report peers
PRESTON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PRESTON vs every NCUA-scored credit union
PRESTON sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where PRESTON diverges from peer averages
- Delinquency Rate leads the peer set - 0.91% here, 1.15% peer average (-0.23 pp).
- Largest lag: Loan-to-Share Ratio at 37.50% vs peer 59.80% (-22.30 pp).
West Virginia standing for PRESTON
- West Virginia health ordinal: #25 of 74.
- West Virginia assets place: #33 of 74.
- Membership ranks #40 of 74 among West Virginia CUs with a reported count (1,904 members).
- One place up in West Virginia, ALLOY (#24) ties at 87/100; one place down, Eastern Panhandle (#26) ties at 87/100.
How PRESTON's 5300 filing moved
PRESTON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $30.2M (2025Q4) to $30.8M (2026Q1).
- Net-worth ratio shifted +0.12 pp (13.42% → 13.54%).
13.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
PRESTON gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.6 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 14.8 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 8.9 pts
PRESTON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.54% | -1.32 pp |
| Delinquency Rate | 0.91% | -0.23 pp |
| Return on Assets | 0.48% | -0.22 pp |
| Member Growth | 2.81% | - |
| Loan-to-Share Ratio | 37.50% | -22.30 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
PRESTON filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.8M | - |
| 2025Q4 | $30.2M | 1,904 |
| 2024Q4 | $29.6M | 1,852 |
| 2023Q4 | $29.5M | 1,728 |
Credit Union Details
- Charter Number
- 23015
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- KINGWOOD
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, PRESTON runs one office.
| Office | City |
|---|---|
| KINGWOOD (Main Office) | KINGWOOD, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
Other federally-insured credit unions in West Virginia, closest first by peer group and asset size.
Other-state peers near PRESTON
Using this data
- PRESTON ranks #1,622 of 4,374 nationally on financial health and #25 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huntington C & O Railway Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huntington C & O Railway Employees
Frequently Asked Questions
Is PRESTON financially healthy?
On its 2025Q4 NCUA 5300 filing, PRESTON scores 87/100 (Excellent), with a 13.54% net worth ratio and 0.91% of loans delinquent. It ranks #1,622 of 4,374 nationally on health and #25 of 74 in West Virginia.
How does PRESTON compare to other credit unions?
PRESTON scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.91% vs 1.15%). Its widest shortfall is loan-to-share ratio (37.50% vs 59.80%).
How can I join PRESTON?
PRESTON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PRESTON directly for the exact boundaries and application steps.
Is my money safe at PRESTON?
PRESTON is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PRESTON's net worth ratio of 13.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.