TellerScore

Long Reach Federal Credit Union (NCUA charter #22241) is based in Middlebourne, West Virginia. Its Q2 2026 call report shows $193.2M in total assets and $173.8M in member shares and deposits and 5 offices.

Long Reach Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 49th. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 9% uninsured); capital cushion contributes the least (49/100, 9.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.91%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity89/100
Loans ÷ shares: 71.3% · 8.8% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (68 → 65), mostly because the loan quality component weakened by 8 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202469
Q4 202467
Q1 202568
Q2 202568
Q3 202569
Q4 202562
Q1 202666
Q2 202665
Net worth ratio
7.00%8.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.79%
Q3 202410.36%
Q4 202410.26%
Q1 202510.07%
Q2 202510.08%
Q3 202510.20%
Q4 202510.03%
Q1 20269.88%
Q2 20269.91%
Delinquent loans (60+ days)
0.64%0.96%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.64%
Q4 20240.83%
Q1 20250.67%
Q2 20250.84%
Q3 20250.69%
Q4 20251.27%
Q1 20261.03%
Q2 20261.08%
Return on assets
0.93%1.04%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.99%
Q3 20241.08%
Q4 20241.04%
Q1 20250.96%
Q2 20251.08%
Q3 20251.05%
Q4 20250.93%
Q1 20261.14%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$193.2M9.91%1.08%1.03%71.3%
Q1 202666$189.2M9.88%1.03%1.14%71.0%
Q4 202562$181.0M10.03%1.27%0.93%73.4%
Q3 202569$175.1M10.20%0.69%1.05%76.0%
Q2 202568$172.8M10.08%0.84%1.08%75.1%
Q1 202568$167.6M10.07%0.67%0.96%76.6%
Q4 202467$160.7M10.26%0.83%1.04%80.1%
Q3 202469$155.0M10.36%0.64%1.08%83.1%
Q2 202467$159.2M9.79%0.67%0.99%77.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.91%
27th
Problem loans1.08%
27th
Net charge-offs0.59%
27th
Return on assets1.03%
68th
Loans to deposits71.3%
58th
Uninsured deposits8.8%
23rd
Loan-loss reserves0.00%
50th
Texas ratio7.7%
22nd

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Star USA Federal Credit UnionCredit union Charleston, WV62 out of 100, Moderate$153.0M10.6%0.98%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs
Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$245.2M11.3%0.07%vs
Peoples Federal Credit UnionCredit union Nitro, WV68 out of 100, Moderate$130.6M16.5%2.19%vs
The United Federal Credit UnionCredit union Morgantown, WV57 out of 100, Moderate$109.2M27.6%3.21%vs
One Community Federal Credit UnionCredit union Parkersburg, WV63 out of 100, Moderate$100.9M10.9%1.15%vs

Deposit insurance

Is my money safe at Long Reach Federal Credit Union?

Yes. Long Reach Federal Credit Union is a federally insured credit union (NCUA charter #22241). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.8% of shares and deposits ($15.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Long Reach Federal Credit Union lists 5 offices in 5 cities. Most locations:

  • Ellenboro, WV (1)
  • Friendly, WV (1)
  • Middlebourne, WV (1)
  • Saint Marys, WV (1)
  • West Union, WV (1)

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Master Card10.90%$0$150.0%

All Long Reach Federal Credit Union card terms

Identity & history

Profile

Legal name
Long Reach Federal Credit Union
Type
Federal credit union
NCUA charter #
22241
RSSD ID
851387
Primary regulator
NCUA
Established
1975
Headquarters
315 Main St, Middlebourne, WV 26149
Employees
33

Quick answers

Long Reach Federal Credit Union: common questions

Is Long Reach Federal Credit Union NCUA insured?

Yes. Long Reach Federal Credit Union is a federally insured credit union (NCUA charter #22241). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Long Reach Federal Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Long Reach Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Middlebourne

InstitutionScoreAssetsCapitalProblem loansCompare
Natrium Employees Federal Credit UnionCredit union Proctor, WV83 out of 100, Strong$12.0M12.4%0.78%vs
First Community BankBank Bluefield, VA75 out of 100, Strong$3.6B10.2%0.70%vs
Citizens Bank of West Virginia, Inc.Bank Elkins, WV74 out of 100, Strong$772.5M10.0%0.58%vs
Ohio Valley Community Federal Credit UnionCredit union Clarington, OH72 out of 100, Strong$243.6M13.4%1.59%vs
The Peoples Savings BankBank New Matamoras, OH71 out of 100, Strong$71.9M13.5%1.58%vs
The Pleasants County BankBank Saint Marys, WV71 out of 100, Strong$84.7M9.4%0.00%vs