RELIANT COMMUNITY
Charter #20258 · Sodus, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.62% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.36% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.36% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.27% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 43rd — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RELIANT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $765.18M | 63th pct | 43th pct |
| Members | 49,200 | 71th pct | 43th pct |
| Net worth ratio | 9.62% | 33th pct | 25th pct |
| Return on average assets | 0.92% | 68th pct | 69th pct |
| Net interest margin | 4.36% | 93th pct | 82th pct |
| Cost of funds | 0.99% | 23th pct | 31th pct |
| Loan-to-share | 76.82% | 36th pct | 49th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 11th pct |
| Net charge-off ratio | 0.27% | 34th pct | 10th pct |
| Loan growth YoY | 1.95% | 59th pct | 66th pct |
| Share growth YoY | 6.09% | 80th pct | 75th pct |
| Efficiency ratio | 80.50% | 61th pct | 69th pct |
structural peer set hash: 9b88ed86f787775197159e08144629fe… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.