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Reliant Community

Sodus, NY · Charter 20258

NCUA · 10 branches

Q2 2026

$788.4MAssets
$533.6MLoans
$697.5MShares
$75.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 6 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.36% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.57%, up 10 bps from a year ago.
  • Funding: loans stand at 76.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+2 bps YoY

Efficiency Ratio (YTD, annualized)

80.31%-102 bps YoY

Net Worth / Assets

9.57%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.86%0.84%0.90%0.90%+6 bps
Return on Equity8.93%8.84%8.69%9.39%9.45%+51 bps
Net Interest Margin4.23%4.34%4.30%4.30%4.25%+2 bps
Efficiency Ratio81.33%80.09%79.42%80.50%80.31%-102 bps
Growth
Asset Growth (YoY)5.00%4.75%7.13%7.05%8.53%+353 bps
Loan Growth (YoY)9.89%8.33%7.58%5.86%4.93%-497 bps
Share Growth (YoY)4.45%4.25%6.71%6.68%8.32%+387 bps
Asset Quality
Delinquent Loans / Loans0.36%0.45%0.41%0.36%0.36%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.47%9.74%9.68%9.62%9.57%+10 bps
Net Worth / Assets9.47%9.74%9.68%9.62%9.57%+10 bps
Liquidity & Funding
Loans / Shares78.97%79.93%79.24%76.82%76.49%-247 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps