# RELIANT
CASPER, WY · NCUA charter 1748 · asset band $100-200M · latest filing 2023-03 · stopped filing after 2023-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/reliant-1748

Who the members are: federal charter, multiple common bond, organized 1936. 13,780 members of 581,381 potential (2.4% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $189.2M |
| Members | 13,780 (2.4% YoY) |
| Full-time staff | 45 |
| Net worth | $15.9M |
| Net worth ratio | 8.4% (p17 of band) |
| ROA (annualized) | 0.97% (p69 of band) |
| Total delinquency | 0.18% (p26 of band) |
| Net charge-offs (annualized) | 0.20% (p51 of band) |
| Loans / shares | 65% (p45 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p60 of band) |
| Operating expense / assets | 3.81% (p72 of band) |
| Vehicles % of loans | 64% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 261% (p86 of band) |
| Vehicle delinquency | 0.24% (p37 of band) |
| Vehicle NCO | 0.33% (p62 of band) |
| Repossessed % of vehicle book | 0.18% (p90 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 8% |
| Average share balance | $6,225 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $15,498 |
| Loans granted, annualized | $34.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 | 3rd-party paper>100% NW | thin capital |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | auto monoline |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | thin capital, net worth falling, margin squeeze |  |
| 2021-06 | 4 | delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 2 |  | thin capital, delinquency rising |
| 2021-12 | 3 | thin capital |  |
| 2022-03 | 5 | net worth falling, losing money |  |
| 2022-06 | 3 |  | net worth falling, losing money |
| 2022-09 | 3 |  |  |
| 2022-12 | 6 | losing money, expense trap, delinquency rising |  |
| 2023-03 | 3 |  | losing money, expense trap, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-13 [Connie A. Neal Obituary Jan 13, 2026 - newcomercasper.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4tclBVUmE5UGhoZjN4dXJaQVlTRkQzUHdFZkZpMmZQQ3J1NTdoQkRqTnJvdTVoUjE5M0ZCZ29hMVJLT3pmNTBJd1AtTEp5Z08tbC0tbHdxa0NCMGxHdmlqSWdCQQ?oc=5) · newcomercasper.com
- 2022-07-18 [UniWyo, Reliant Federal Credit Union considering merger; combined assets would total ~$700M - Oil City News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOQ2taMVVTRW1MVzhJT1VxbFdCa1hLT1pGWUZNWVhoRHBEVVFtY3NQNTl1S2lJb04xb2RYODVmNjZCMlZhbl9XNm9xeGk1MlpSdlVtSVVGSktPVVpSSTdnZDBmZlhhU1lpdVZfVlhQWjlKTWJxZnNvWDNHN1pGcWk2cjdGODJPQWQ4THFkN2otMVI0b3ZfY0tKZ243bE03TDRZSVZOZl80R05kTDVnTnRhb1BJREV3OVk5NHREcDBna3BCMUYxN19jVg?oc=5) · Oil City News
- 2025-08-18 [Jacqueline "Jackie" Ellis Obituary Aug 18, 2025 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5GZGk3aEt6MnJVQnphazlCQjBsOTAzS2lrUTVvSTJXZFMxcXZIaUZPNDRJVjlTUVNrVDd0THFNaldaa2xwMEdZSkpGdTczeW1lZFEtNGU1YkxSMHJ2V0l0VEtjXzYzWUxsRU15VlI5Wkg?oc=5) · Bustard & Jacoby Funeral Home
- 2018-09-21 [Memorial Fund Set Up For Family Of Drowned Casper Couple - K2 Radio](https://news.google.com/rss/articles/CBMigwFBVV95cUxQWHh2U2FKMjN3ZXVfZEVwWkV6eXVTdllrbE1venZadmZ3RjdfRkpoWjZKNVR2VGkxYUg0Z3ZTbDlORlllcVFMYjlsT2VraUkzclcxT0R6UFREalVodDEtT0RjaXNtY081Q0dFdWItRDdneVVIaVVEdklma0ZUMjNMQlNKaw?oc=5) · K2 Radio
- 2024-08-01 [Garrett Lee Carver Obituary Jan 14, 2021 - newcomercasper.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBvLUFsN3JmMXFsenVMODVyVXdQdVF0ZGNHT1VFYmVlNFRCdlBlNkQ0ZTJCLU9fbnBvOFZEMXRNVUQ3UHJ1RVdCQ1IwclFJN1hoYzFfNUpXMUpZRnFUMTlHSHBsUk9DckU?oc=5) · newcomercasper.com
- 2022-07-09 [Derek Eugene Kellch Obituary Jul 9, 2022 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE0taEZiXzZPRF83X2xjbThnYjRxRHRVNnA1WUVQYzRrZzh5OGEwSThtYnc4YV9XU2E5dXFYZXB3N3MtcVRZTkN4azZZdjJocHo4Yi1Odnh3bnotY3hjbXZaN2dn?oc=5) · Bustard & Jacoby Funeral Home
- 2018-12-10 [Casper Police Arrest 2 for Over $35,000 in Credit Card Fraud - K2 Radio](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcjVkQzMwS2pVVm1JNHJjaEdPZWctLUkzN2R3bENwOEJlTDEtWVd5TWRIazNEdE91MlVwU1pZMnhHUGI1MFd2dkh2bVdPUk80X25qbTZQM2g0U2Q0NVNNemJ6WDVCM0lDRWNrYjFmVmo1M2hUNTRYZVgwaHJ2Q0NLRDRnZXpTZw?oc=5) · K2 Radio
- 2019-05-21 [Woman accused of trying to pass stolen check for $1,000 - Oil City News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcFRwcTkxQmp5MHpURER5SFlCeXZVNTl6eTFVWVRDT2N2WW01VVVNVGpVb3BkOWI5dUctZnUwaXh4MDNhTUdPRXFZb2pfWXF3RDM3Sll3OEZmekY2cEdqUEZCZS1LUFpTQnRIZWZaMjUtNGhLY1lPSmxQU0VGX1pDdHBVNW1aMl93ek9VYTlZd3VIN0txbXQ4?oc=5) · Oil City News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1748 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/20.json (key "1748", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1748
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide