Side-by-side · Q2 2026 data
Long Reach Federal Credit Union vs West Virginia Central Federal Credit Union
Credit union
Long Reach Federal Credit Union
Middlebourne, West Virginia · $100 million – $1 billion
Credit union
West Virginia Central Federal Credit Union
Parkersburg, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Long Reach Federal Credit Union | West Virginia Central Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 49 | 82 (stronger) |
| Loan quality | 64 | 71 (stronger) |
| Earnings | 61 | 62 (stronger) |
| Funding & liquidity | 89 (stronger) | 83 |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $193.2M | $341.3M |
| Deposits / shares | $173.8M | $295.3M |
| Capital ratio | 9.91% | 13.23% (stronger) |
| Problem loans | 1.08% | 0.87% (stronger) |
| Net charge-offs | 0.59% | 0.14% (stronger) |
| Return on assets | 1.03% | 1.06% (stronger) |
| Loans ÷ deposits | 71.3% (stronger) | 77.6% |
| Uninsured deposits | 8.8% | 4.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Virginia Central Federal Credit Union has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Long Reach Federal Credit Union leads on 1 and West Virginia Central Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.