BlastPoint's Credit Union Scorecard

RELIANT COMMUNITY

Charter #20258 · NY

Community 750M-1B

117 CUs in 750M-1B nationally 5 in NY

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RELIANT COMMUNITY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 21.0% in tier
+ Organic Growth Leader: Top 21.0% in tier
+ ROA 0.14% above tier average
+ Net Interest Margin 0.84% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.5% in tier
- Credit Quality Pressure: Bottom 42.2% in tier
- Efficiency Drag: Bottom 42.5% in tier
- Efficiency ratio 4.96% above tier (higher cost structure)
- Total Assets: Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	49,200 +3.0% YoY+0.6% QoQ	-2.3K	51,500 +0.7% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	45%
Assets	$765.2M +7.1% YoY+3.1% QoQ	$-100.4M	$865.6M +0.9% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Bottom 8.5% in tier
Loans	$519.5M +5.9% YoY-0.1% QoQ	$-75.8M	$595.3M +1.6% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	24%
Deposits	$676.2M +6.7% YoY+3.1% QoQ	$-65.9M	$742.2M +0.6% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	18%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +21.9% YoY+5.9% QoQ	+0.1%	0.8% +45.0% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	67%
NIM	4.3% +0.8% YoY-1.5% QoQ	+0.8%	3.5% +6.1% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Top 7.7% in tier
Efficiency Ratio	80.5% -3.5% YoY+1.4% QoQ	+5.0%	75.5% -3.4% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.4% +20.3% YoY-13.1% QoQ	-0.3	0.7% -0.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	26%
Loan To Share	76.8% -0.8% YoY-3.1% QoQ	-3.8%	80.6% +0.7% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	29%
AMR	$24,303 +3.2% YoY+1.0% QoQ	$-5K	$28,908 +0.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	39%
CD Concentration	19.6% -1.1% YoY-1.9% QoQ	-4.7%	24.3%	16.4%	19.8%	34%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#70 of 352 • Top 21.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#157 of 371 • Top 21.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#349 of 476 • Bottom 35.5% in tier

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

Why This Signature

Loan Growth (YoY): 5.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#563 of 727 • Bottom 42.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#488 of 596 • Bottom 42.5% in tier

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

Why This Signature

Efficiency Ratio: 80.50%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Median: 3.47%

#9 of 117 Top 6.8% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.59%

Peer Median: 26.77%

#22 of 117 Top 17.9% in 750M-1B tier

Member Growth Rate

growth

Value: 3.01%

Peer Median: 0.97%

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (4 metrics)

107

Total Assets

balance_sheet

Value: $765.18M

Peer Median: $858.87M

#107 of 117 Bottom 9.4% in 750M-1B tier

Total Deposits

balance_sheet

Value: $676.24M

Peer Median: $735.65M

#96 of 117 Bottom 18.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 273.333

Peer Median: 328.468

#93 of 117 Bottom 21.4% in 750M-1B tier

Total Loans

balance_sheet

Value: $519.46M

Peer Median: $618.21M

#89 of 117 Bottom 24.8% in 750M-1B tier