# RELIANCE
King of Prussia, PA · NCUA charter 4120 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/reliance-4120

Who the members are: federal charter, multiple common bond, organized 1940. 2,507 members of 20,000 potential (12.5% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 84.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.9M |
| Members | 2,507 (-0.4% YoY) |
| Full-time staff | 8 |
| Net worth | $4.4M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 0.44% (p43 of band) |
| Total delinquency | 0.75% (p54 of band) |
| Net charge-offs (annualized) | 0.24% (p66 of band) |
| Loans / shares | 61% (p55 of band) |
| Cash / assets | 26.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p39 of band) |
| Operating expense / assets | 3.88% (p57 of band) |
| Vehicles % of loans | 21% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p88 of band) |
| Vehicle delinquency | 1.11% (p67 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 9% |
| Average share balance | $8,224 |
| Participations bought / yr | $1.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 84% |
| Loans granted per 100 members, annualized | 63% |
| Average loan balance | $9,147 |
| Loans granted, annualized | $7.2M |

## Participation posture (from the same filings)

Bought $1.6M and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (55.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | thin capital |  |
| 2016-09 | 3 | net worth falling, losing money | delinquency 2x band |
| 2016-12 | 3 | delinquency 2x band | net worth falling |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 2 | members leaving | losing money, delinquency 2x band, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 1 |  | members leaving, net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 1 | delinquency rising | thin capital |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 3 | delinquency 2x band |  |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze | delinquency 2x band |
| 2020-09 | 5 | charge-offs p90 | net worth falling |
| 2020-12 | 4 |  | charge-offs p90 |
| 2021-03 | 4 | net worth falling | delinquency rising |
| 2021-06 | 3 |  | members leaving |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | members leaving |  |
| 2022-09 | 2 | delinquency rising | members leaving |
| 2022-12 | 3 | delinquency 2x band, assets shrinking | thin capital |
| 2023-03 | 1 |  | delinquency 2x band, assets shrinking |
| 2023-06 | 3 | delinquency 2x band, assets shrinking |  |
| 2023-09 | 3 | members leaving | delinquency 2x band |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 1 |  | members leaving, delinquency rising |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | delinquency 2x band, repo signal |  |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 0 |  | repo signal |

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

- 2026-04-29 [Manor College’s Ukraine Dialogue Highlights Post-War Ukraine - Manor College](https://news.google.com/rss/articles/CBMihAFBVV95cUxQeUdRSUwzc1pZXzVIb2UwX0tORXlLeVZHOGVIQkVEZGlpREZzWWFQbkM2clFkUFc4cWdqU1U2UVNzX1J1X1VrN1V2UWlrM25VX0E3b2xxS24tUlcwZjcyeDBWdVhld21tcWd4c0hTQ2Q3WWZKV3ByN1RTVUUzQVZ3RlFmTDQ?oc=5) · Manor College
- 2026-07-27 [Trumark Credit Union, Industry Partners Deliver 1,720 Pounds of Food and $32,050 to Philabundance - VISTA.Today](https://news.google.com/rss/articles/CBMifEFVX3lxTE9TWWprQlJvOWttMmI0UUtwcFVnRm9Wd014N2duZU14aDVJeGxneFd3bVBXU21ra2d6SGtldTJ6b0RjWnowbTM5TUFpa2tVRXBySzF2N1NFa29mT1ptYlJRX1FDRkp0NUFUM1BmN2tZRlhKTjVGTVhIZFFuQmg?oc=5) · VISTA.Today
- 2026-04-28 [Trumark Credit Union and Partners to Host Free Food Distribution in Fort Washington on Wednesday - MONTCO.Today](https://news.google.com/rss/articles/CBMifkFVX3lxTE1iSDJFaHZ1M1U3dU5ScGVOZTJTVk5NS1gxMUJIMjN6ekJScG8wc19YbS1mZU9aTXExSzF6bFdhT3RMMnZqQU8wcF9VU3VyRGRmT2UybS1kbHZSNVo5bUFiR3JDYVJEUVllbVFibS1YQ2oyY1R5TnI4enNHeXNkQQ?oc=5) · MONTCO.Today
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2024-02-23 [Reliance Bank - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMia0FVX3lxTFA5QTZqUVJvSEw0bXNBc1Uwb3lnLWRXODhGaHE4Ql9yNWRoQXBSVEgyc2FpaWZ2RG1VUUxQTGo2MDd5NlFZd0JLeTJ5RGhWUm9YV05MYzNyRFk5cEdNemhzckN4WUtVTTZrWXlZ?oc=5) · Pennsylvania Business Central
- 2025-10-09 [“Anchored in Hope”: 2025 Reporting and Giving Soirée Held in Philadelphia - Українська Греко-Католицька Церква](https://news.google.com/rss/articles/CBMioAFBVV95cUxPV3ZLcmFaYnFzbTJmcHhWX29uR1RyTUR5WVR0S0l4eFA3S1paekFZR3RoeU5NZm5UMlVLLU91bm5DYWxVU050cDRhY0puUF9QdFpRbzlVX3YtbTc5YTdfU3pOMDAzVElZUW4yZG1DYndwbXJ0bkg5YjduZ1FIUHJxdkdCd2U4VVlXUHJ2RG9jeWNKVkl0amttQ1F4Vm1rN08x?oc=5) · Українська Греко-Католицька Церква
- 2025-07-21 [Credit unions come together for Philabundance - Northeast Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSVV0MjE3X0kwV2U2d2hYX19KUWItQ01yUGNIS0U4OEwyYllNeG1NOTZPQWNSWHdZMUpGLUFkOUY5X0twbFNUMjFEdGlIaDNqbnVVTUFEQUUyMXdPbG1xNlBQekNidTZidVBDTGlIcXVjQjYwdEJXR2dIUjllOUdCUWdoM2NiOE1qTkdiMQ?oc=5) · Northeast Times
- 2022-02-28 [Congresswoman Dean Welcomes Ukrainian-American Community Leaders, Iryna Mazur and Roman Petyk, As Virtual Guests to President Biden’s State of the Union - dean.house.gov](https://news.google.com/rss/articles/CBMijAJBVV95cUxQUXNSc2NmU1R0eW5FZmFwSUcySm91enFNVUZVaEVEbDZnV055RmZENzE0aVJJM3h2NUkxSUNrOXRZNHB4bndIMGkyY2poSjBGa0taTGRpbGQtY0JWMDcxTjl6a1B6WjF1V0dwOHRETkQ1eWZyMzhBbkxycEpTX0tMekRhcW1Tbl9hMTllNXlLV1B3eTFfZkc1NF9XSlpGM0dNcjBNRmpxbVAyMTlWeWxPakRpMjFJOEpzUnZhYVNHbnhocnhlLUFjRjhHVEdFZ0VOWGtmV3hhd3JINEk4bE8zbmljaENHUXNuZ1NhWVFiQ3NYcVhpTTlpY3doMkZQblpuU0hOeFFFeTNnM21W?oc=5) · dean.house.gov

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4120 (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/24.json (key "4120", 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=4120
- 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