BlastPoint's Credit Union Scorecard

LONG REACH

Charter #22241 · WV

100M-500M

1070 CUs in 100M-500M nationally 8 in WV

LONG REACH has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.42% above tier average
+ Deposit Growth Rate: Top 4.1% in tier
+ Asset Growth Rate: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.26% above tier average
- Share Certificate Concentration (%): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	10,913 +4.7% YoY+1.5% QoQ	-4.2K	15,145 -2.5% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	37%
Assets	$189.2M +12.9% YoY+4.5% QoQ	$-42.5M	$231.7M +0.8% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	47%
Loans	$120.9M +5.0% YoY+1.3% QoQ	$-23.2M	$144.1M +0.2% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	50%
Deposits	$170.3M +13.2% YoY+4.7% QoQ	$-30.8M	$201.1M +0.4% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	49%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +17.1% YoY+21.5% QoQ	+0.4%	0.7% +5.1% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	78%
NIM	3.6% +4.6% YoY+3.1% QoQ	+0.0%	3.6% +4.6% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	64.1% -4.0% YoY-2.4% QoQ	-13.9%	78.0% -1.7% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	Top 13.6% in tier
Delinquency Rate	1.0% +53.7% YoY-18.5% QoQ	+0.3	0.8% +7.1% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	77%
Loan To Share	71.0% -7.3% YoY-3.2% QoQ	+0.6%	70.4% -0.4% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	49%
AMR	$26,687 +4.7% YoY+1.7% QoQ	+$2K	$24,918 +2.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	69%
CD Concentration	43.3% +8.1% YoY-0.7% QoQ	+19.0%	24.3%	15.9%	19.8%	50%
Indirect Auto %	2.1% -30.1% YoY-4.6% QoQ	-11.7%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#69 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.72%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.14%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 2.15%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#88 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.72%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 2.15%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#42 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.14%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.72%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#186 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#167 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.95%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Deposit Growth Rate

growth

Value: 13.18%

Peer Median: 3.30%

#45 of 1070 Top 4.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.90%

Peer Median: 3.91%

#47 of 1070 Top 4.3% in 100M-500M tier

121

Member Growth Rate

growth

Value: 4.72%

Peer Median: -0.06%

#121 of 1070 Top 11.2% in 100M-500M tier

146

Efficiency Ratio

profitability

Value: 64.07%

Peer Median: 78.68%

#146 of 1070 Top 13.6% in 100M-500M tier

240

Return on Assets (ROA)

profitability

Value: 1.14%

Peer Median: 0.69%

#240 of 1070 Top 22.3% in 100M-500M tier

Top Weaknesses (2 metrics)

1026

Share Certificate Concentration (%)

balance_sheet

Value: 43.26%

Peer Median: 23.10%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

827

Total Delinquency Rate (60+ days)

risk

Value: 1.03%

Peer Median: 0.61%

#827 of 1070 Bottom 22.8% in 100M-500M tier