Overview / Commentary
10767 Energy Hwy
Friendly, WV 26146

Long Reach Federal Credit Union is headquartered in Middlebourne and is the 13th largest credit union in the state of West Virginia. It is also the 1,923rd largest credit union in the nation. It was established in 1975 and as of December of 2018, it had grown to 22 employees and 6,697 members at 4 locations. Long Reach Federal Credit Union's CD rates are 40% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, or be a business or other legal entity in Pleasants County, Tyler County, Ritchie County, and Doddridge County or are employees of a member of the credit union's Select Employer Group.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Long Reach Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #22241
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD17.73%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$72.7MM$61.8MM
LoansQ4 2018vs Q4 2017$50.6MM$45.6MM
DepositsQ4 2018vs Q4 2017$66.6MM$56.7MM
Equity CapitalQ4 2018vs Q4 2017$6.1MM$5.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$458.00K$379.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$674.00K$528.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Long Reach Federal Credit Union Savings Account Rates

0.25%--IRA Account
0.15%--Christmas Cllub account
0.15%--Vacation Club Account
0.10%--Regular Share Saving Account

Long Reach Federal Credit Union Money Market Rates

0.15%*$10k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k

Long Reach Federal Credit Union Checking Account Rates

0.01%$500-Share Draft (Checking) Account

Long Reach Federal Credit Union CD Rates

2.37%$500-60 Month CD
2.17%$500-48 Month CD
1.86%$500-36 Month CD
1.61%$500-24 Month CD
1.26%$500-12 Month CD
0.90%$500-6 Month CD

Long Reach Federal Credit Union IRA Rates

2.37%$500-60 Month IRA
2.17%$500-48 Month IRA
1.86%$500-36 Month IRA
1.61%$500-24 Month IRA

Long Reach Federal Credit Union Locations
Branch Office810 3rd StSaint Marys, WV 26170-1155
Branch Office315 Main StMiddlebourne, WV 26149-9602
Branch Office10767 Energy HwyFriendly, WV 26146-7512
Branch Office165 E Washington AveEllenboro, WV 26346

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