LONG REACH
Charter #22241 · Middlebourne, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.88% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.17% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.76% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.03% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LONG REACH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.21M | 47th pct | 39th pct |
| Members | 10,913 | 37th pct | 28th pct |
| Net worth ratio | 9.88% | 26th pct | 25th pct |
| Return on average assets | 1.17% | 78th pct | 80th pct |
| Net interest margin | 3.69% | 52th pct | 34th pct |
| Cost of funds | 1.76% | 79th pct | 92th pct |
| Loan-to-share | 71.01% | 49th pct | 48th pct |
| Delinquency 60+ days | 1.03% | 77th pct | 87th pct |
| Net charge-off ratio | 0.46% | 60th pct | 61th pct |
| Loan growth YoY | 1.34% | 60th pct | 52th pct |
| Share growth YoY | 8.41% | 93th pct | 93th pct |
| Efficiency ratio | 64.07% | 14th pct | 8th pct |
structural peer set hash: 1c195e16ab20d56adea5f420f5a698a0… (reproducible)
Closest structural peers
This is the free public view
Claim LONG REACH
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.