Side-by-side · Q2 2026 data
First United Bank & Trust vs Preston Federal Credit Union
Credit union
Preston Federal Credit Union
Kingwood, West Virginia · Under $100 million in assets
Metric by metric
| Measure | First United Bank & Trust | Preston Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 66 | 86 (stronger) |
| Loan quality | 90 (stronger) | 63 |
| Earnings | 70 | 74 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 77th | 68th |
| Total assets | $2.1B | $31.2M |
| Deposits / shares | $1.7B | $26.9M |
| Capital ratio | 11.56% | 13.63% (stronger) |
| Problem loans | 0.31% (stronger) | 1.10% |
| Net charge-offs | 0.04% (stronger) | 0.29% |
| Return on assets | 1.25% | 1.35% (stronger) |
| Loans ÷ deposits | 89.0% | 39.2% (stronger) |
| Uninsured deposits | 22.7% | 7.1% (stronger) |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Preston Federal Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 2 and Preston Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.