Side-by-side · Q2 2026 data
West Virginia Federal Credit Union vs Long Reach Federal Credit Union
Credit union
West Virginia Federal Credit Union
South Charlesto, West Virginia · $100 million – $1 billion
Credit union
Long Reach Federal Credit Union
Middlebourne, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | West Virginia Federal Credit Union | Long Reach Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 75 (stronger) | 64 |
| Earnings | 76 (stronger) | 61 |
| Funding & liquidity | 93 (stronger) | 89 |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 92nd | 34th |
| Total assets | $141.6M | $193.2M |
| Deposits / shares | $114.2M | $173.8M |
| Capital ratio | 18.52% (stronger) | 9.91% |
| Problem loans | 0.74% (stronger) | 1.08% |
| Net charge-offs | 0.18% (stronger) | 0.59% |
| Return on assets | 1.40% (stronger) | 1.03% |
| Loans ÷ deposits | 67.3% (stronger) | 71.3% |
| Uninsured deposits | 3.3% (stronger) | 8.8% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
West Virginia Federal Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), West Virginia Federal Credit Union leads on 7 and Long Reach Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.