# PRESTON
KINGWOOD, WV · NCUA charter 23015 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/preston-23015

Who the members are: federal charter, multiple common bond, organized 1978, low-income designated. 1,928 members of 2,200 potential (87.6% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.8M |
| Members | 1,928 (7.0% YoY) |
| Full-time staff | 4 |
| Net worth | $4.2M |
| Net worth ratio | 13.5% (p41 of band) |
| ROA (annualized) | 1.08% (p73 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.25% (p67 of band) |
| Loans / shares | 37% (p21 of band) |
| Cash / assets | 65.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p30 of band) |
| Operating expense / assets | 1.97% (p11 of band) |
| Vehicles % of loans | 76% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.33% (p45 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 21% |
| Average share balance | $6,059 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,604 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling, members leaving | delinquency 2x band |
| 2017-06 | 3 | auto monoline |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 |  | net worth falling, members leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency 2x band |  |
| 2020-06 | 3 | net worth falling | delinquency 2x band |
| 2020-09 | 4 | delinquency 2x band |  |
| 2020-12 | 6 | members leaving, loan book shrinking |  |
| 2021-03 | 5 | losing money, charge-offs p90 | delinquency rising, members leaving, loan book shrinking |
| 2021-06 | 4 |  | charge-offs p90 |
| 2021-09 | 3 |  | losing money |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency 2x band |  |
| 2022-12 | 2 | delinquency rising | delinquency 2x band |
| 2023-03 | 4 | delinquency 2x band, assets shrinking |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 2 |  | delinquency 2x band |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-19 [Carol Jean Trout - WV News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMWlyVVpFWVVKYzlESFBCMXBjTkdTUGFlbktOazZqNkhxSUxtUkVuSjM2Y1M4bTJ6V3BVNm5HTTZ3VkJJZmVpQ3lKNzIwTHUyR00zbE45TmlPV2QwcGx1OWpwX0ZZTnRfcjR6TEs0aDV2TGg4Uk9PWkZSSmx4RFRmZFhzVjBCcFNWVXB3amNCRVBvVFhZa2F1ZVU2VDBsU3FLdGI5ZHdIbHpzRkFMemwxQ1d2TQ?oc=5) · WV News
- 2022-07-13 [A look at House of Delegates campaign finance reports for Preston, Marion and Taylor counties - dominionpost.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNTGFFTWFXOXpRbG1jd01GRGpJQlhWRmtvWWRxWHEyaUJ0RjNWdTJHQUNBWEtLbkh0T3ZYXzhuY2ZTeEM1dUdZVHRWWkEzRDRXdlA0bFMwdm1vUVNuX3gyRzhFbVplQVdUMjd5RU5mV3JRZXBRWEhtVUx5MDg5T2xqOElLRXJPMW1Iam9pU1BYblc4b0JZV2VKX0ppbG14Z0pqZ2pZcGNVeFZJMzRvcm1HeElBenpFenE4bFBROXJqS3hBTE1GVG01N251ZUsyZw?oc=5) · dominionpost.com
- 2024-11-14 [2024 Best of Preston County Winners - WV News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPVHRkdlNvaU5BMmhjbVgtczZMdGJBOGxoMFZPYnlIZml3MUVNeGcwMmRNTzR3SWpWbUZYdlI0YTl1b1JsS2p5Q2VvVVUxdlBWOW5wUFkxUDJwTEg0QXBUaFZQakJOby14b3hScmVuYVhLdHE1Q2t6bEJwaENibnNTeDd1MWdFY0dVOHR0eTBOcTY4MkM5STNQWkV2Slh1MGhPc25oOFJxbmhlOXhY?oc=5) · WV News
- 2024-05-09 [Norma Lowe Obituary (1933 - 2024) - Charleston, WV - Charleston Gazette-Mail - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNaW1FeUdmdlpKTl96RHNXUDRNQ052VkxGNkRpTzYzQTdmZ0I1c3pnb1NsMWVuVy1tVzY2ZzRfcXo2VGJqNG5hWTFRVXgyU0ZkbVRKaFNCQWhCa0lOaGlqczhDQzVKT3lzUEdsaDBEV2tKTGt1bkhyQ2FyTDFrN1hCRFRCTko5aVRjV1hXRG1XS1M?oc=5) · legacy.com
- 2022-10-21 [Grand jury indictments include embezzlement, drug charges - WV News](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPN05pVl9Cc1hiVm9SYnhWcVpvRXpyd2xnUWxYVU1GUEpDR0lpeFlqZFZvdzZ1WkhhTWNqdmdMZVo0amVoSnZreENJWkVpckwzR2ZNWkhka0JMN3VTcEZmaXpEeERNam10T3NhanI3UExiOW9uLWR0ZWJ5TUpCbS1LdXRwNG9WVjlQLU1YT1U4SlNBbDVjblN1RHpiVmh0S25jLU5BN0gyU1N1ckdKRUZ0Y0JUalVKbkw2b2RWWkRsemhYdm5DbHhlTkFCNTZGUDBCbnJ2RHUtZmUxTzg2M2cxNXBhdFdtYVU?oc=5) · WV News
- 2011-06-16 [Galen Gauntlett Obituary (2011) - Pottsville, PA - Republican & Herald - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPcTZaS2xoX3htLVNMZWJvRWJ3TGp3anB1Q3luU0NGbFlYSFgxb1V6emFGbExVZFh5Vkx2LXA0akN0YmNCNXZfRHBzN2ZVeXVRVjhZRUZkcUJyM2VDU1pOOXBnRFNMdENtSkgwcGhFei1XajY2ZHduYjQ1Z08wUm1laEU2SHhWMVVLYXpqMWs2YU9ObkU?oc=5) · legacy.com
- 2015-10-26 [Preston County News & Journal - Obituaries - WV News](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOekh6ZGdDbWR5bUdsWXhBVGhDZXpPRThKUjdjTF9LR0JkUXZuV2VSdHJWdTh6b2J1cHRyQUVCNnRYb2pRYVNTOG1mZWJ2RkZkQXBTT19nRWh3UG5uSW81NXdXN3JvSGVCRFoxMnZEUEVhWDdmNldaaWt4S0t4MkVYTDBtVnp2MmZzY0NMU2M0UktoZmF0anVzQTdiVnotM0dzZDBlZ3V6LWUtN3BDd2ZPQ0wzME9KRzhDZUY1bmk0TXNQUDd3ZF9yY1R0M3dqLVJkSHNZ?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23015 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/39.json (key "23015", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23015
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide