BlastPoint's Credit Union Scorecard

LONG REACH

Charter #22241 · WV

100M-500M
1069 CUs in 100M-500M nationally 8 in WV

LONG REACH has 7 strengths but faces 5 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 0.18% above tier average
  • + Deposit Growth Rate: Top 5.9% in tier
  • + Asset Growth Rate: Top 6.4% in tier
  • + Member Growth Rate: Top 9.9% 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
  • - Margin Compression: Bottom 50.0% in tier
  • - Delinquency rate 0.37% above tier average
  • - Share Certificate Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 10,747
+5.0% YoY+0.7% QoQ
 -4.7K 15,437
-2.9% YoY
 5,083
-0.6% YoY
 33,374
+5.7% YoY
 35%
Assets $181.0M
+12.6% YoY+3.3% QoQ
 $-50.9M $231.9M
+1.3% YoY
 $69.7M
+5.0% YoY
 $561.6M
+9.7% YoY
 43%
Loans $119.4M
+3.4% YoY+0.0% QoQ
 $-28.0M $147.3M
-0.1% YoY
 $38.0M
-0.4% YoY
 $397.0M
+8.8% YoY
 47%
Deposits $162.6M
+12.9% YoY+3.5% QoQ
 $-38.2M $200.8M
+0.8% YoY
 $59.6M
+4.6% YoY
 $477.3M
+9.7% YoY
 47%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
-11.4% YoY-10.8% QoQ
 +0.2% 0.8%
+18.2% YoY
 0.9%
+20.0% YoY
 0.7%
+15.9% YoY
 64%
NIM 3.5%
+3.4% YoY-0.3% QoQ
 -0.1% 3.6%
+6.7% YoY
 3.9%
+5.0% YoY
 3.8%
+5.1% YoY
 44%
Efficiency Ratio 65.6%
+4.1% YoY+3.8% QoQ
 -11.4% 77.0%
-3.1% YoY
 74.6%
-2.6% YoY
 79.7%
-3.3% YoY
 16%
Delinquency Rate 1.3%
+52.6% YoY+84.1% QoQ
 +0.4 0.9%
+4.2% YoY
 1.4%
-22.3% YoY
 1.3%
-2.1% YoY
 80%
Loan To Share 73.4%
-8.4% YoY-3.4% QoQ
 +1.2% 72.2%
-1.1% YoY
 59.6%
-5.3% YoY
 67.4%
-1.7% YoY
 50%
AMR $26,240
+3.5% YoY+1.3% QoQ
 +$2K $24,676
+3.4% YoY
 $14,830
+1.4% YoY
 $19,687
+2.0% YoY
 68%
CD Concentration 43.6%
+7.4% YoY+0.2% QoQ
 +19.2% 24.4% 15.7% 19.8% 50%
Indirect Auto % 2.2%
-34.4% YoY-11.1% QoQ
 -11.5% 13.8% 2.1% 7.8% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#108 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.98%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.94%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 2.25%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#87 of 426 • Top 50.0% in tier

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

Why This Signature
Member Growth (YoY): 4.98%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 2.25%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth
#75 of 182 • 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: 0.94%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Member Growth (YoY): 4.98%
(Tier: 0.69%, National: 4.32%)
better than tier avg
182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally
→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#150 of 705 • 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): 0.44% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk
#196 of 456 • 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): 3.37%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.44% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Margin Compression

decline
#104 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.94%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 1.06%
(Tier: 0.63%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.12% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally
→ No prior data (123 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)

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

64
Deposit Growth Rate
growth
Value: 12.86%
Peer Median: -
#64 of 1069 Top 5.9% in 100M-500M tier
69
Asset Growth Rate
growth
Value: 12.63%
Peer Median: -
#69 of 1069 Top 6.4% in 100M-500M tier
107
Member Growth Rate
growth
Value: 4.98%
Peer Median: -
#107 of 1069 Top 9.9% in 100M-500M tier
173
Efficiency Ratio
profitability
Value: 65.63%
Peer Median: -
#173 of 1069 Top 16.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1024
Share Certificate Concentration (%)
balance_sheet
Value: 43.59%
Peer Median: -
#1024 of 1069 Bottom 4.3% in 100M-500M tier
859
Total Delinquency Rate (60+ days)
risk
Value: 1.27%
Peer Median: -
#859 of 1069 Bottom 19.7% in 100M-500M tier
837
Net Charge-Off Rate
risk
Value: 0.67%
Peer Median: -
#837 of 1069 Bottom 21.8% in 100M-500M tier
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