# LONG REACH
Middlebourne, WV · NCUA charter 22241 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/long-reach-22241

Who the members are: federal charter, multiple common bond, organized 1975, low-income designated. 10,913 members of 35,000 potential (31.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $189.2M |
| Members | 10,913 (4.7% YoY) |
| Full-time staff | 35 |
| Net worth | $18.7M |
| Net worth ratio | 9.9% (p26 of band) |
| ROA (annualized) | 1.14% (p76 of band) |
| Total delinquency | 1.03% (p75 of band) |
| Net charge-offs (annualized) | 0.45% (p63 of band) |
| Loans / shares | 71% (p53 of band) |
| Cash / assets | 32.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p45 of band) |
| Operating expense / assets | 2.82% (p22 of band) |
| Vehicles % of loans | 46% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 18% (p46 of band) |
| Vehicle delinquency | 0.78% (p62 of band) |
| Vehicle NCO | 0.31% (p37 of band) |
| Repossessed % of vehicle book | 0.03% (p70 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 43% |
| Average share balance | $7,492 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $684,262 |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $14,986 |
| Loans granted, annualized | $49.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $684,262 outstanding purchased (3.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 13.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2017-06 | 3 |  | losing money, delinquency rising |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 1 |  | repo signal |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 1 | margin squeeze | net worth falling, thin capital |
| 2020-12 | 2 | thin capital |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  | thin capital |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 3 | thin capital, net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 0 |  | delinquency rising, thin capital |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | thin capital |  |
| 2023-06 | 0 |  | thin capital |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2021-10-13 [Chili Open Golf Tournament was a Huge Success - tylerstarnews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc2x1M0lybnZFY00zUHVxYjVQM01kdjdoYkY3bVI1RnJCV2lHUFloUHhxWS1mQjM1aWtTNTlyWUlLRHoxOHV5dWJyektlYUY4ZzFtUWx4aW9Xc1REREFlaG1vT0JRcHotRUNDcXo1YmZoaUhjek5SVTJtZU9ZeWJfT3FxYlVfNzUySEd1YnJFdkluVXBVQUoyaEplZUNydVVvOGRpeWtuVnhiVlE?oc=5) · tylerstarnews.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2023-03-07 [Civil suits - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZkVaY1pMalBkcUNVVUZIVUphZDAwc0laTmhsN3NPVXRtdHVFenBZZDJVelZEOFR5RG9hWUx4THJGbXdiLXpnZ2V3eDViYTU4c0FHQkcwaXFNb1g1dnVnZEVNZzhoSVF5RnlTQXZXdzA3SjVhVmRsVzl2eE9XbjNfNGpCZHVWeWFVck1zVHNIZXZ0cldQ?oc=5) · The Parkersburg News and Sentinel
- 2022-06-15 [For the First Time Since 2019, the Paden City Pool and Splash Pad are Open for Business! - wetzelchronicle.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQM0tRMlJ4WlhDMWRUM01obmJtWXBQbDBUem42WWFGSThvRlJfa0oxekdIX1VPSzRrY240eFpOVFBKazctcXlhakxKVFU5NVljY2JOU2RvUWV5SzF6ejEyTUlTclJJWE92MFZVaURsTWtRNW1tNDBBdVotdXNQYkRmUjNLTUdIa1lqelFZRnQ1SmY4XzZZNnV4cE5TSk5YTTNFRUxFUy1BWTZrWWZ1MkpILVYxLS1Zc25IaTI4WGxoR1M5QndQcUpWVFNrRENCOEUy?oc=5) · wetzelchronicle.com
- 2026-01-15 [Jeremy Scott Rhodes Obituary (2026) - Ripley, WV - Ingram Funeral Home - St. Marys - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWk1obVBvZjJvVUdLaDBkVnFBZGRkMnZiaENxMENlZXhnM3dfNDlBZldQLTFwUXpoSTdXS3ViZ3VYV0FZdTZOYzBmUlRfVkJIR0xXbzMtdEFRX2xWZG9mQk9VWXVKb2N4cXdraXJXVjV4aS1QZ2xvWjdXcW82N01jaGx3?oc=5) · legacy.com
- 2015-01-14 [Middlebourne passes second step for annexation - tylerstarnews.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPMjBYNkZFS0h3dGFvOWFoRWdGLTJyWGxMSXBnUXdYdU5qTGRyRUtKcmtzNFV3dm5MRTYxRl9rU3psZlg4VGFkVEpOTklYT2tjZFlpbkFJN0FXZ0ZVWVBUcDE4dVEzZ0MzUXVoQ1Y3NlJrbHBrRndURC05V1pfVXVERk03cjh0akhaWkd4d2k3UmI5LTRWOTd5M0kzaGtFQWdsNGJtTm94dw?oc=5) · tylerstarnews.com
- 2014-10-29 [Several benefits set for Lemasters - tylerstarnews.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPUWg0VmFyN1JFcHVFWnVGNDhMYU00UEl0a0pRTWlPM1lPMkExeG52bEZOS0pWaHB6b3ptSFB4UXMxUTh5LW4zdFQ5ZXJFU3FSWk9rdUo2bUxzMkZLdHI5TDRDcDFTMlB3OVFLQjMtdWZBVUp1TmRHeXdLc09MN3pCeVZCWmtEeno4X05oTTNwam1lSnduSUpJ?oc=5) · tylerstarnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22241 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/33.json (key "22241", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=22241
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide