Side-by-side · Q2 2026 data
Long Reach Federal Credit Union vs Natrium Employees Federal Credit Union
Credit union
Long Reach Federal Credit Union
Middlebourne, West Virginia · $100 million – $1 billion
Credit union
Natrium Employees Federal Credit Union
Proctor, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Long Reach Federal Credit Union | Natrium Employees Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 83 (stronger) |
| Capital cushion | 49 | 74 (stronger) |
| Loan quality | 64 | 74 (stronger) |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 89 | 90 (stronger) |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 34th | 72nd |
| Total assets | $193.2M | $12.0M |
| Deposits / shares | $173.8M | $10.5M |
| Capital ratio | 9.91% | 12.41% (stronger) |
| Problem loans | 1.08% | 0.78% (stronger) |
| Net charge-offs | 0.59% | 0.01% (stronger) |
| Return on assets | 1.03% | 2.24% (stronger) |
| Loans ÷ deposits | 71.3% | 69.8% (stronger) |
| Uninsured deposits | 8.8% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Natrium Employees Federal Credit Union has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Long Reach Federal Credit Union leads on 0 and Natrium Employees Federal Credit Union on 7. 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.