RELIANT COMMUNITY

Charter #20258 | NY

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in NY

RELIANT COMMUNITY has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 7.2% in tier
  • + Organic Growth Leader: Top 10.5% in tier
  • + Relationship Depth Leader: Top 26.5% in tier
  • + Wallet Share Momentum: Top 28.9% in tier
  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.90% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Deposits: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 11.4% in tier
  • - Credit Quality Pressure: Bottom 15.9% in tier
  • - Efficiency Drag: Bottom 28.0% in tier
  • - Efficiency ratio 1.99% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 48,596
+3.5% YoY+0.6% QoQ
 +8.8K 39,752
-2.7% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Top 18.3% in tier
Assets $722.5M
+4.7% YoY-0.5% QoQ
 +$100.1M $622.4M
+0.3% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 11.8% in tier
Loans $509.5M
+8.3% YoY+0.2% QoQ
 +$73.6M $435.9M
-0.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 75th in tier
Deposits $637.4M
+4.2% YoY-1.0% QoQ
 +$99.4M $538.0M
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 7.7% in tier
ROA 0.9%
+54.3% YoY+0.7% QoQ
 +0.2% 0.7%
+33.9% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 4.3%
+11.3% YoY+1.6% QoQ
 +0.9% 3.4%
+8.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 5.9% in tier
Efficiency Ratio 80.1%
-7.5% YoY-1.5% QoQ
 +2.0% 78.1%
-3.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 59th in tier
Delinquency Rate 0.5%
+59.9% YoY+24.3% QoQ
 -0.3 0.8%
-4.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 79.9%
+3.9% YoY+1.2% QoQ
 -1.1% 81.0%
-1.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 41st in tier
AMR $23,602
+2.5% YoY-1.0% QoQ
 $-3K $26,482
+2.6% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 20.1%
+0.4% YoY+3.4% QoQ
 -4.3% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 35th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#132 of 603 • Top 7.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.47%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.86%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#140 of 430 • Top 10.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.47%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#730 of 1006 • Top 26.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.47%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#796 of 1006 • Top 28.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.47%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#171 of 446 • Bottom 11.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.33%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#394 of 736 • Bottom 15.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#495 of 521 • Bottom 28.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.09%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.30% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 3.47%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
10
Net Interest Margin (NIM)
profitability
Value: 4.33%
Peer Avg: 3.43%
#10 of 169 Top 5.3% in 500M-750M tier
13
Total Deposits
balance_sheet
Value: $637.44M
Peer Avg: $538.02M
#13 of 169 Top 7.1% in 500M-750M tier
20
Total Assets
balance_sheet
Value: $722.52M
Peer Avg: $622.38M
#20 of 169 Top 11.2% in 500M-750M tier
31
Member Growth Rate
growth
Value: 3.47%
Peer Avg: 1.75%
#31 of 169 Top 17.8% in 500M-750M tier
31
Total Members
engagement
Value: 48,596
Peer Avg: 39,752
#31 of 169 Top 17.8% in 500M-750M tier
39
Share Certificate Concentration (%)
balance_sheet
Value: 20.11%
Peer Avg: 26.87%
#39 of 169 Top 22.5% in 500M-750M tier
43
Loan Growth Rate
growth
Value: 8.33%
Peer Avg: 4.04%
#43 of 169 Top 24.9% in 500M-750M tier
43
Total Loans
balance_sheet
Value: $509.53M
Peer Avg: $435.95M
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (0 metrics)

No weakness rankings available