Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Long Reach Federal Credit Union
Credit union
Long Reach Federal Credit Union
Middlebourne, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Long Reach Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 50 (stronger) | 49 |
| Loan quality | 81 (stronger) | 64 |
| Earnings | 98 (stronger) | 61 |
| Funding & liquidity | 69 | 89 (stronger) |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 57th | 34th |
| Total assets | $772.5M | $193.2M |
| Deposits / shares | $678.7M | $173.8M |
| Capital ratio | 10.00% (stronger) | 9.91% |
| Problem loans | 0.58% (stronger) | 1.08% |
| Net charge-offs | 0.38% (stronger) | 0.59% |
| Return on assets | 1.95% (stronger) | 1.03% |
| Loans ÷ deposits | 89.1% | 71.3% (stronger) |
| Uninsured deposits | 16.8% | 8.8% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of West Virginia, Inc. has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 5 and Long Reach Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.