BlastPoint's Credit Union Scorecard
PRESTON
Charter #23015 · WV
PRESTON demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,904
+2.8% YoY+0.1% QoQ
|
-711 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$30.2M
+1.9% YoY-0.1% QoQ
|
+$19K |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$9.8M
+15.9% YoY+6.9% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$26.1M
+1.1% YoY-0.4% QoQ
|
+$419K |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.3%
+155.4% YoY+31.3% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
3.2%
+50.9% YoY+12.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
60.9%
-22.1% YoY-5.0% QoQ
|
-21.7% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
0.9%
-40.1% YoY+18.6% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
37.5%
+14.7% YoY+7.3% QoQ
|
-23.1% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$18,853
+1.9% YoY+1.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
19.2%
-28.5% YoY-24.6% QoQ
|
-5.3% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)