Credit union · NCUA insured
Long Reach FCU
A $189.2M credit union headquartered in Middlebourne, WV, with 10,913 members and 5 branches in West Virginia. Best rates: CDs 3.70% and savings 0.15% APY.
Long Reach FCU Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#1 of 10 in Clarksburg, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Long Reach FCU
Long Reach Federal Credit Union held its organizational meeting in 1975 and is headquartered in Middlebourne, West Virginia.
It expanded through mergers with Middle Island Credit Union in 1998 and Pleasants County Teachers in 2000.
The credit union serves members across Pleasants, Tyler, Ritchie, and Doddridge counties.
- Headquarters
- 315 Main St, Middlebourne, WV 26149-9602
- NCUA charter
- 22241
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in, or any business or other legal entity in Pleasants, Tyler, Ritchie, and Doddridge counties is eligible for membership.
Employers and groups
- Employees of Select Employee Groups (SEGs) that have membership eligibility with Long Reach FCU qualify for membership.
Branches
5 branches in West Virginia
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West Virginia
5 branches
Middlebourne area · 1
- MiddlebourneMain office315 Main St, Middlebourne, WV 26149Directions
Ellenboro area · 1
- Ellenboro165 E Washington Ave, Ellenboro, WV 26346Directions
Friendly area · 1
- Friendly10767 Energy Hwy, Friendly, WV 26146Directions
St. Marys area · 1
- St. Marys810 3rd St, St. Marys, WV 26170Directions
Clarksburg area · 1
- West Union54 Main St, West Union, WV 26456Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.07% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio9.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Long Reach FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.