BlastPoint's Credit Union Scorecard
RELIANT COMMUNITY
Charter #20258 · NY
RELIANT COMMUNITY has 7 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.8% in tier
- + Organic Growth Leader: Top 38.6% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.8% in tier
- + Total Deposits: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.91% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,883
+3.2% YoY+0.6% QoQ
|
+10.3K |
38,575
-4.8% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 13.3% in tier |
| Assets |
$742.3M
+7.1% YoY+2.7% QoQ
|
+$120.6M |
$621.7M
+0.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 2.4% in tier |
| Loans |
$520.0M
+7.6% YoY+2.0% QoQ
|
+$90.1M |
$429.8M
-1.8% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$656.1M
+6.7% YoY+2.9% QoQ
|
+$117.4M |
$538.7M
+0.6% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 3.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+41.7% YoY-0.6% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.4%
+9.6% YoY+0.7% QoQ
|
+0.9% |
3.4%
+8.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
79.4%
-6.8% YoY-0.8% QoQ
|
+1.9% |
77.5%
-4.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.4%
-4.8% YoY-8.2% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
79.2%
+0.8% YoY-0.9% QoQ
|
-0.6% |
79.8%
-2.3% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$24,059
+3.8% YoY+1.9% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
20.0%
+0.7% YoY-0.7% QoQ
|
-4.5% | 24.4% | 16.3% | 19.8% | 35% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)