BlastPoint's Credit Union Scorecard
RELIANCE
Charter #4120 · PA
RELIANCE demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,508
-1.2% YoY-0.2% QoQ
|
-107 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$34.3M
+1.7% YoY+1.0% QoQ
|
+$4.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$18.8M
+13.5% YoY+0.5% QoQ
|
+$3.0M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$30.0M
+0.2% YoY+1.1% QoQ
|
+$4.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.9%
-26.2% YoY+0.2% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
4.2%
+5.2% YoY-0.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
79.9%
+10.1% YoY-0.1% QoQ
|
-2.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.1%
-5.7% YoY-26.9% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
62.6%
+13.3% YoY-0.5% QoQ
|
+2.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$19,433
+6.3% YoY+1.1% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
10.9%
+23.5% YoY+14.4% QoQ
|
-13.5% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)