BlastPoint's Credit Union Scorecard
RELIANCE
Charter #63169 · KS
RELIANCE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,822
-4.7% YoY-1.4% QoQ
|
-793 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$25.6M
+1.7% YoY-0.5% QoQ
|
$-4.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$13.5M
+12.1% YoY+3.9% QoQ
|
$-2.2M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$21.6M
+0.4% YoY-0.7% QoQ
|
$-4.1M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
1.3%
+133.8% YoY+6.0% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.9%
+28.5% YoY+3.4% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
71.3%
-15.7% YoY-1.2% QoQ
|
-11.3% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.3%
+10.1% YoY+31.3% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
62.7%
+11.6% YoY+4.5% QoQ
|
+2.1% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$19,286
+9.8% YoY+2.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
6.7%
-18.8% YoY+3.7% QoQ
|
-17.7% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)