PRESTON
Charter #23015 · KINGWOOD, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.31% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.48% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PRESTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.84M | 63th pct | 69th pct |
| Members | 1,928 | 43th pct | 36th pct |
| Net worth ratio | 13.54% | 49th pct | 38th pct |
| Return on average assets | 1.10% | 72th pct | 64th pct |
| Net interest margin | 3.42% | 31th pct | 39th pct |
| Cost of funds | 1.31% | 71th pct | 82th pct |
| Loan-to-share | 36.93% | 17th pct | 31th pct |
| Delinquency 60+ days | 0.57% | 49th pct | 52th pct |
| Net charge-off ratio | 0.25% | 60th pct | 61th pct |
| Loan growth YoY | 7.49% | 96th pct | 97th pct |
| Share growth YoY | 1.71% | 41th pct | 31th pct |
| Efficiency ratio | 56.48% | 7th pct | 8th pct |
structural peer set hash: 1303853ca4bef92ff2fa5570244cbfc2… (reproducible)
Closest structural peers
This is the free public view
Claim PRESTON
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.