BlastPoint's Credit Union Scorecard
RELIANCE
Charter #63169 · KS
RELIANCE has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.9% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,848
-5.9% YoY-1.2% QoQ
|
-777 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$25.7M
-4.4% YoY+0.7% QoQ
|
$-4.1M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$13.0M
+5.1% YoY+5.4% QoQ
|
$-2.7M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$21.7M
-6.5% YoY+0.3% QoQ
|
$-3.7M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
1.2%
+173.5% YoY+9.1% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
3.7%
+33.9% YoY+5.0% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
72.1%
-16.7% YoY-1.6% QoQ
|
-9.3% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.2%
-13.7% YoY+244.5% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
59.9%
+12.4% YoY+5.1% QoQ
|
-1.3% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$18,820
+3.7% YoY+3.4% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
6.4%
-52.4% YoY-6.2% QoQ
|
-18.0% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)