Charter 22241 · Middlebourne, WV
Long Reach Federal Credit Union
Long Reach Federal Credit Union is a federally chartered credit union in Middlebourne, West Virginia, with $193 million in assets and 11,104 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.91%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $193 million
- +11.8% in a year
- Members
- 11,104
- +4.1% in a year
- Net worth ratio
- 9.91%
- Peer median 11.65%
- Loans 60+ days late
- 1.08%
- Peer median 0.70%
- Loans outstanding
- $124 million
- +6.3% in a year
- Shares and deposits
- $174 million
- +12.0% in a year
- Branches
- 5
- 33 employees
- Opened
- 1975
- Federal charter
How Long Reach Federal Credit Union compares
NCUA groups credit unions by size; Long Reach Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.91% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.08%, is higher than the group median of 0.70%. Loans grew 6.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 6 of 74 credit unions headquartered in West Virginia. See all West Virginia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $193 million | 11,104 | $124 million | 9.91% | 1.08% |
| Q1 2026 | $189 million | 10,913 | $121 million | 9.88% | 1.03% |
| Q4 2025 | $181 million | 10,747 | $119 million | 10.03% | 1.27% |
| Q3 2025 | $175 million | 10,668 | $119 million | 10.20% | 0.69% |
| Q2 2025 | $173 million | 10,670 | $117 million | 10.08% | 0.84% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 35,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Long Reach Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Friendly
10767 Energy Hwy, Friendly, WV 26146 - Middlebourne (main office)
315 Main St, Middlebourne, WV 26149 - St. Marys
810 3Rd St, Saint Marys, WV 26170 - Ellenboro
165 E Washington Ave, Ellenboro, WV 26346 - West Union
54 Main St, West Union, WV 26456
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology