Side-by-side · Q2 2026 data
Citizens Bank of Morgantown, Inc. vs Preston Federal Credit Union
Bank
Citizens Bank of Morgantown, Inc.
Morgantown, West Virginia · Under $100 million in assets
Credit union
Preston Federal Credit Union
Kingwood, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Morgantown, Inc. | Preston Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 97 (stronger) | 63 |
| Earnings | 65 | 74 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 84th | 68th |
| Total assets | $52.6M | $31.2M |
| Deposits / shares | $42.5M | $26.9M |
| Capital ratio | 18.79% (stronger) | 13.63% |
| Problem loans | 0.09% (stronger) | 1.10% |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 1.13% | 1.35% (stronger) |
| Loans ÷ deposits | 91.6% | 39.2% (stronger) |
| Uninsured deposits | 16.6% | 7.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Morgantown, Inc. has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Morgantown, Inc. leads on 4 and Preston Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.