Long Reach
Middlebourne, WV · Charter 22241 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$193.2MAssets
$123.9MLoans
$173.8MShares
$19.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 85% of credit unions under $1B in assets (rank 245 of 1681).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets (rank 1363 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.03%
Rank 564 of 1,683
Net Interest Margin
3.64%
Rank 1,002 of 1,683
Efficiency Ratio
64.65%
Rank 283 of 1,682
Equity / Assets
9.91%
Rank 1,363 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 564 / 1,683 | |
| Return on Equity | 10.43% | 2.67% | 5.89% | 8.74% | Beats 85% | 245 / 1,681 | |
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,002 / 1,683 | |
| Efficiency Ratio | 64.65% | 68.91% | 78.20% | 86.93% | Beats 83% | 283 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,169 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.91% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,363 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.91% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,363 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 71.30% | 52.61% | 69.38% | 83.50% | 54th pctl | 781 / 1,683 | |
| Loans / Assets | 64.13% | 44.71% | 59.18% | 70.72% | 61st pctl | 655 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |