| Metric | Reliance Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -3.6% | +0.9% | -4.5 pts |
| Loan growth (YoY) | +7.6% | -2.6% | +10.2 pts |
| ROA | 1.50% | 0.65% | +0.9 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.1M | $20.9M | $13.3M | $4.1M | $189K | 1.50% | 4.40% | 0.30% | 1,810 |
| Q1 2026 | $25.7M | $21.5M | $13.3M | $4.0M | $86K | 1.34% | 4.14% | 0.08% | 1,816 |
| Q4 2025 | $25.6M | $21.6M | $13.5M | $3.9M | $332K | 1.30% | 3.88% | 0.28% | 1,822 |
| Q3 2025 | $25.7M | $21.7M | $13.0M | $3.8M | $235K | 1.22% | 3.73% | 0.21% | 1,848 |
| Q2 2025 | $25.6M | $21.7M | $12.4M | $3.8M | $145K | 1.13% | 3.60% | 0.06% | 1,870 |
| Q1 2025 | $26.1M | $22.3M | $12.0M | $3.7M | $52K | 0.80% | 3.34% | 0.06% | 1,887 |
| Q4 2024 | $25.2M | $21.5M | $12.1M | $3.6M | $144K | 0.57% | 3.12% | 0.25% | 1,912 |
| Q3 2024 | $26.9M | $23.2M | $12.4M | $3.6M | $91K | 0.45% | 2.81% | 0.24% |
| Ratio | Reliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,964 |
| Q2 2024 | $27.3M | $23.6M | $12.3M | $3.5M | $43K | 0.32% | 2.67% | 0.12% | 2,007 |
Loan mix (Q2 2026): real estate $3.7M · commercial $0 · consumer $9.3M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 80.6% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Reliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Reliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Reliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Reliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Reliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Wyandotte, KS, ranked 22nd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wyandotte, KS | 2 | $20.9M* | 0.71% | 22nd |
Kansas: 264th with 0.02% · Kansas City metro: 133rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2