Side-by-side · Q2 2026 data
Star USA Federal Credit Union vs Long Reach Federal Credit Union
Credit union
Star USA Federal Credit Union
Charleston, West Virginia · $100 million – $1 billion
Credit union
Long Reach Federal Credit Union
Middlebourne, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Star USA Federal Credit Union | Long Reach Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 65 (stronger) |
| Capital cushion | 56 (stronger) | 49 |
| Loan quality | 67 (stronger) | 64 |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 78 | 89 (stronger) |
| Problem-loan coverage | 70 | 85 (stronger) |
| Peer percentile | 26th | 34th |
| Total assets | $153.0M | $193.2M |
| Deposits / shares | $129.0M | $173.8M |
| Capital ratio | 10.61% (stronger) | 9.91% |
| Problem loans | 0.98% (stronger) | 1.08% |
| Net charge-offs | 0.34% (stronger) | 0.59% |
| Return on assets | 0.70% | 1.03% (stronger) |
| Loans ÷ deposits | 82.7% | 71.3% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 8.8% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Long Reach Federal Credit Union has the higher TellerScore (65 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Star USA Federal Credit Union leads on 4 and Long Reach Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.