BlastPoint's Credit Union Scorecard

LONG REACH

Charter #22241 · WV

1077 CUs in 100M-500M nationally 8 in WV

LONG REACH has 8 strengths but faces 3 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 5.1% in tier
+ Organic Growth Leader: Top 5.5% in tier
+ Emerging Performer: Top 31.6% in tier
+ ROA 0.27% above tier average
+ Strong member growth: 5.4% YoY
+ Asset Growth Rate: Top 4.9% in tier
+ Deposit Growth Rate: Top 5.4% in tier
+ Member Growth Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.8% in tier
- Credit Risk Growth: Bottom 27.0% in tier
- Share Certificate Concentration (%): Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	10,668 +5.4% YoY-0.0% QoQ	-5.0K	15,628 -3.4% YoY	5,095 +0.6% YoY	33,089 +6.1% YoY	34%
Assets	$175.1M +13.0% YoY+1.4% QoQ	$-56.2M	$231.3M -0.0% YoY	$68.6M +3.5% YoY	$547.7M +7.8% YoY	41%
Loans	$119.3M +3.4% YoY+2.4% QoQ	$-28.5M	$147.8M -1.4% YoY	$38.2M +0.9% YoY	$388.7M +8.6% YoY	47%
Deposits	$157.1M +13.1% YoY+1.3% QoQ	$-43.2M	$200.3M -0.0% YoY	$58.7M +3.0% YoY	$464.6M +9.3% YoY	44%

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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% -1.2% YoY-3.6% QoQ	+0.3%	0.8% +15.5% YoY	1.0% +49.4% YoY	0.7% +273.4% YoY	69%
NIM	3.5% +4.6% YoY+0.6% QoQ	-0.1%	3.6% +6.9% YoY	3.9% +3.9% YoY	3.7% +5.0% YoY	45%
Efficiency Ratio	63.3% +4.7% YoY+1.1% QoQ	-14.0%	77.3% -3.0% YoY	72.7% -3.2% YoY	79.1% -3.3% YoY	Bottom 12.3% in tier
Delinquency Rate	0.7% +7.0% YoY-17.7% QoQ	-0.2	0.9% +7.6% YoY	1.3% -29.4% YoY	1.2% -0.9% YoY	51%
Loan To Share	76.0% -8.6% YoY+1.1% QoQ	+3.3%	72.7% -1.5% YoY	60.8% -6.8% YoY	68.0% -1.7% YoY	54%
AMR	$25,911 +3.1% YoY+1.8% QoQ	+$2K	$24,363 +2.9% YoY	$14,844 +2.4% YoY	$19,418 +1.3% YoY	69%
CD Concentration	43.5% +15.3% YoY+4.8% QoQ	+19.1%	24.4% +4.2% YoY	16.2% +7.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.5% -30.5% YoY-10.1% QoQ	-11.4%	14.0% -5.7% YoY	2.3% -13.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#95 of 603 • Top 5.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.06%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 2.53%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#74 of 430 • Top 5.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 2.53%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Emerging Performer

growth

#61 of 191 • Top 31.6% 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: 1.06%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 5.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#615 of 736 • Bottom 24.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#405 of 446 • Bottom 27.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.37%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (4 metrics)

Asset Growth Rate

growth

Value: 12.97%

Peer Avg: -

#54 of 1077 Top 4.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.14%

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

Member Growth Rate

growth

Value: 5.40%

Peer Avg: -

#93 of 1077 Top 8.5% in 100M-500M tier

134

Efficiency Ratio

profitability

Value: 63.26%

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

Top Weaknesses (2 metrics)

1036

Share Certificate Concentration (%)

balance_sheet

Value: 43.52%

Peer Avg: -

#1036 of 1077 Bottom 3.9% in 100M-500M tier

868

Net Charge-Off Rate

risk

Value: 0.71%

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier