# RELIANT COMMUNITY
Sodus, NY · NCUA charter 20258 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/reliant-community-20258

Who the members are: federal charter, community charter, organized 1970. 49,200 members of 963,184 potential (5.1% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $765.2M |
| Members | 49,200 (3.0% YoY) |
| Full-time staff | 173 |
| Net worth | $73.6M |
| Net worth ratio | 9.6% (p34 of band) |
| ROA (annualized) | 0.90% (p68 of band) |
| Total delinquency | 0.36% (p27 of band) |
| Net charge-offs (annualized) | 0.27% (p34 of band) |
| Loans / shares | 77% (p36 of band) |
| Cash / assets | 21.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.30% (p93 of band) |
| Operating expense / assets | 4.39% (p85 of band) |
| Vehicles % of loans | 28% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.14% (p7 of band) |
| Vehicle NCO | 0.17% (p9 of band) |
| Repossessed % of vehicle book | 0.02% (p43 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 32% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 20% |
| Average share balance | $5,823 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 123% |
| Average loan balance | $15,063 |
| Loans granted, annualized | $263.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | margin squeeze, net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 1 |  | net worth falling, delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | thin capital |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | net worth falling |  |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-09-09 [Longtime Reliant CEO Pamela Heald To Retire in January - cutoday.info](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdHE4TWYwTnMycnFWSkQtTkVleEhtTl9LYWdjQlliRVpyZ3kxbWNZSVJubWg0QmN5aGNfanRLSVk4WWFreXZ4U3RaR19nanJJak9CenFmeExqMkdPRmNWazlCb1BhUi1JZXJueTlSQjNQV0NlZC01ZlBtQnhCY1hYUjQ5ck5NZHZzVEM3aEJDOUh5bVM5eXc?oc=5) · cutoday.info
- 2026-09-08 [Reliant Credit Union announces upcoming retirement of President & CEO Pamela Heald - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxQSzZPUkZhUkFkVV9NMFloU2thZUZtdXczb1JCTGJ2NXFBbThPT3d3QW5KeHQzcm85U0hqTDRBUEVJZ201eEJlcC1TM2E5ZEc5T2piNE1xNkY5ckxBTktMaWo2dmtrMlMxU0ZUMHpwVXJ0cDJ2ZVJQMjA0SDJaXzFKZjR5dW9BMWZuMGw3YktpTDZEbHRXalFpMnJYNXFsR1NYUzl6TWFLWEhnU0QzN01zelFtLUtIMU8yRENsenln?oc=5) · CUInsight
- 2019-10-30 [Reliant Community Credit Union - rbj.net](https://news.google.com/rss/articles/CBMibEFVX3lxTFBUWGtobGlfX1hUZWt2Z1psU19EZVFIRlltNkcxLWVnZE0wU2h6djVZNEJDSFNXZzRQVFVjQ3c3TmtHY0VJRVJwM3A3QnRxTkk4RHNPRkhRR2IzV0F3ZlJQU182bUpJTzhPZllCNg?oc=5) · rbj.net
- 2018-11-29 [BUSINESS OF THE WEEK: Reliant Community Credit Union - Finger Lakes Times](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNUEJvbmZUWXVGdUVmOHVmOWQ1eXFnZnVjeGJxblpOdDhkNjZYQUtfLVQ1c1otb3ZUUVNNU1VKUXQ5UVBIX3NVRVBsYXdZMkRBYWNoSHFXQ3d3TzZwWkRqWHozYlhKVWZ2WnBCeEl5aTNYMl8tRU9ETjgxdU9HcUd2V0ZCLWhBcXQyVVNpVjJzUDNKRlhQSjZ0UVVGYnFNQ3RtdlpzN2dlUi1UX0d3MjhSTlZNamZsc210dE8tOWxnd3p1N1EybE8yOW96aE5UWEtCUUtBdjZsSmhyVFFDbjg4U2JlSW9PR2dUSTNR?oc=5) · Finger Lakes Times
- 2022-07-19 [USF Federal Credit Union Hires Vice President of Member Experience - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNVXpyLTYzSjJicEtHMDMzaVgtTlVYQm5NSWdFRDR0TkFnb3J0VFcteWZJS0I2b0daZU9ONm0tRkhCdzU4Z29fZkVoaUJEVjBNYTVLZVRpaDFGNXo0VXNxTG04WlZkVFBwbE41dFRCbzhHMy12OXhIcFc3Z1J4U0dtaTNDeWs2N3BNSm1xclBRQlowX3hDSGJNcFVLaUMwUlY1N2FaNDJjUGhqQ09FaDdvVXJaTlZTdDJ4bjk2NkYtdw?oc=5) · PR Newswire
- 2025-05-11 [Reliant Donates Sneakers For Children In Brockport Central School District - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPbEdnOEljRVJlaWtKbFBzbXo5MHBJLW04WEZWd1NWRURMQ2U2M1ZjQTdNekprUzNsemhYTnpza1hYNUhLZm43Yk9IN0hDbmtRdXM2MWRKV0ZSMkRiMWpHUDlEX21HQkhuMFNsZWNWV2xXZVkyTkQ0XzhrNWVqZlc1OHlUMUduWWh2N3ByM05pUy0xWkpDR3BLRTc2cjA4SElEVzFzWGpfV3QtTUR4QXhJSW1BSk4yUnduZURpejNPY0pmdkptcVZXZnB1TDVEYnltMzlyVk9nSUg?oc=5) · Finger Lakes Daily News
- 2013-11-24 [Reliant promotes Preston to branch manager - Democrat and Chronicle](https://news.google.com/rss/articles/CBMirwFBVV95cUxORXhyNm82WFZFMjMwd0cycEFMVC1URDBZZnlwRWhBY1pRZlltTnctczE2VUdfdUsyLU52WHh0Yk5OeW0wSzRvQzdYQksyOWs5OG9Jb3JGZjR5MkZZV3JfYTJCN19KclZaY3J0emJQRkpOOHpGS19RdXhNb3RYcVlGRVhxQVpiTnlZQjV3UVY4ZHdaM0lIeXVJTG1QbG8yWHdITG0wNzliS2FadVBFRWpz?oc=5) · Democrat and Chronicle
- 2019-08-08 [Sellwood named 2019 NYCUA Outstanding Young Professional - Finger Lakes Times](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPcnlZUkI4eGUyc1pZbHRxMURwQXlxS3ZQQTRrOEJGUEJGV2RFX2g1UDljQnRfOVY0NzZWV1FNS0ZmcHNCZVJMTUNsNEJQelltd3hFZGJmNnIxTnFyR2QzN2JVX0xualVmMzdwVHlNUWRkRXBHaHBIM1N4UWVUX2dLZTNxMlJwWDdLanRseEtXdjZEV05VOUowYjhsWE1RVmlrSXJzVFc0OUNEY0t1Q0dMcEtWcll4aHppaFZJMFNwTk95NllrSXNpU3BpMWw4RWUzMWFkQzdpNUNCX2FKc0lJ?oc=5) · Finger Lakes Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20258 (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/34.json (key "20258", 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=20258
- 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