Side-by-side · Q2 2026 data
Bayer Heritage Federal Credit Union vs Long Reach Federal Credit Union
Credit union
Bayer Heritage Federal Credit Union
New Martinsvill, West Virginia · $100 million – $1 billion
Credit union
Long Reach Federal Credit Union
Middlebourne, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Bayer Heritage Federal Credit Union | Long Reach Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 65 (stronger) |
| Capital cushion | 49 | 49 |
| Loan quality | 44 | 64 (stronger) |
| Earnings | 53 | 61 (stronger) |
| Funding & liquidity | 72 | 89 (stronger) |
| Problem-loan coverage | 73 | 85 (stronger) |
| Peer percentile | 10th | 34th |
| Total assets | $800.7M | $193.2M |
| Deposits / shares | $721.6M | $173.8M |
| Capital ratio | 9.90% | 9.91% (stronger) |
| Problem loans | 1.68% | 1.08% (stronger) |
| Net charge-offs | 0.60% | 0.59% (stronger) |
| Return on assets | 0.81% | 1.03% (stronger) |
| Loans ÷ deposits | 88.1% | 71.3% (stronger) |
| Uninsured deposits | 6.8% (stronger) | 8.8% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Long Reach Federal Credit Union has the higher TellerScore (65 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bayer Heritage Federal Credit Union leads on 1 and Long Reach Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.