RELIANCE
Charter #63169 · Kansas City, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,816 sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.42% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.08% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.54% sits at the 77th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 44th — a 20-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 | RELIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.65M | 51th pct | 46th pct |
| Members | 1,816 | 38th pct | 18th pct |
| Net worth ratio | 15.69% | 64th pct | 61th pct |
| Return on average assets | 1.34% | 81th pct | 66th pct |
| Net interest margin | 4.14% | 64th pct | 44th pct |
| Cost of funds | 0.42% | 28th pct | 25th pct |
| Loan-to-share | 61.94% | 57th pct | 44th pct |
| Delinquency 60+ days | 0.08% | 20th pct | 15th pct |
| Net charge-off ratio | 0.54% | 73th pct | 77th pct |
| Loan growth YoY | 2.02% | 82th pct | 80th pct |
| Share growth YoY | -1.27% | 17th pct | 13th pct |
| Efficiency ratio | 71.78% | 30th pct | 43th pct |
structural peer set hash: 96bf90e16b6c94d23f628ebd88876c80… (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.