Long Reach Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.1 has resulted in Excellent (7.8) profitability. A current level of 4.8 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Consumer loans (45%), home mtgs (16%), other (39%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
315 Main Street
Middlebourne, WV 26149
Middlebourne, WV 26149
Phone Number
(304) 758-4308
NCUA Charter Number
Website
Largest Competitors
New Martinsville, WV
Fairmont, WV
Parkersburg, WV
Charleston, WV