BlastPoint's Credit Union Scorecard
RELIANT COMMUNITY
Charter #20258 · NY
RELIANT COMMUNITY has 6 strengths but faces 4 concerns
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How does NY stack up?
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
- + 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
- - Credit Risk Growth: 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
|
82% |
| 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
|
75% |
| 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 |
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| 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
|
66% |
| 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
|
59% |
| 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
|
30% |
| 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
|
41% |
| 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
|
42% |
| 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
|
35% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)