Long Reach

Middlebourne, WV · 1 · Charter #22241 · www.lrefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$181.0M
83th percentile
Members
10,747
73th percentile
Total loans
$119.4M
86th percentile
Total shares
$162.6M
86th percentile

Profitability

Return on assets
1.49%
77th percentile
Net interest margin
3.45%
38th percentile
Efficiency ratio
47.44%
87th percentile
Non-interest income ratio
14.75%
37th percentile

Capital & Risk

Net worth ratio
10.03%
24th percentile
Delinquency rate
1.27%
24th percentile
Net charge-off rate
0.67%
20th percentile
Loan-to-share
73.40%
60th percentile

Growth

Member growth YoY
4.98%
93th percentile
Asset growth YoY
12.63%
93th percentile
Loan growth YoY
3.37%
62th percentile
Share growth YoY
13.40%
94th percentile

Operations

Members / branch
2,149
25th percentile
Assets / member
$16,840
69th percentile
Field of membership penetration
30.71%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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