Long Reach Federal Credit Union
Total assets
$189.2M
▲ +12.9% YoY
Shares & deposits
$170.3M
▲ +13.2% YoY
Loans
$120.9M
▲ +5.0% YoY
Members
10,913
▲ +4.7% YoY
ROA (annualized)
1.14%
peers 0.69%
ROE (annualized)
11.58%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +3.9% | +9.0 pts |
| Share growth (YoY) | +13.2% | +3.3% | +9.9 pts |
| Loan growth (YoY) | +5.0% | +2.9% | +2.0 pts |
| ROA | 1.14% | 0.69% | +0.5 pts |
| ROE | 11.6% | 5.9% | +5.6 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1975
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 315 Main St, Middlebourne, WV, 26149
- NCUA charter #
- 22241
- RSSD ID
- 851387
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.2M | $170.3M | $120.9M | $18.7M | $541K | 1.14% | 3.61% | 1.03% | 10,913 |
| Q4 2025 | $181.0M | $162.6M | $119.4M | $18.2M | $1.7M | 0.93% | 3.45% | 1.27% | 10,747 |
| Q3 2025 | $175.1M | $157.1M | $119.3M | $17.9M | $1.4M | 1.05% | 3.49% | 0.69% | 10,668 |
| Q2 2025 | $172.8M | $155.1M | $116.6M | $17.4M | $932K | 1.08% | 3.44% | 0.84% | 10,670 |
| Q1 2025 | $167.6M | $150.5M | $115.2M | $16.9M | $401K | 0.96% | 3.38% | 0.67% | 10,421 |
| Q4 2024 | $160.7M | $144.1M | $115.5M | $16.5M | $1.7M | 1.04% | 3.33% | 0.83% | 10,237 |
| Q3 2024 | $155.0M | $138.8M | $115.4M | $16.1M | $1.3M | 1.08% | 3.41% | 0.64% | 10,121 |
| Q2 2024 | $159.2M | $143.4M | $111.7M | $15.6M | $788K | 0.99% | 3.27% | 0.67% | 9,916 |
Loan mix (Q1 2026): real estate $29.8M · commercial $684K · consumer $70.4M · securities $36.9M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 78.7% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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