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Reliance

King of Prussia, PA · Charter 4120

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

47

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Reliance

King of Prussia, PA · Charter 4120

NCUA · 2 branches

Q2 2026

$35.3MAssets
$20.1MLoans
$30.8MShares
$4.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.48%, down 43 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 1.05% of loans (-12 bps YoY).
  • Capital: net worth / assets of 12.51%, up 33 bps from a year ago.
  • Funding: loans stand at 65.42% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.48%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-44 bps YoY

Efficiency Ratio (YTD, annualized)

84.83%+457 bps YoY

Net Worth / Assets

12.51%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.20%0.88%0.91%0.89%0.88%0.44%0.48%-43 bps
Return on Equity10.98%10.10%7.27%7.49%7.09%6.98%3.59%3.81%-368 bps
Net Interest Margin4.01%4.05%4.11%4.22%4.26%4.22%3.63%3.78%-44 bps
Efficiency Ratio71.38%72.51%81.92%80.26%79.98%79.87%87.40%84.83%+457 bps
Growth
Asset Growth (YoY)-2.24%-0.38%-2.03%0.02%-0.41%1.66%5.73%2.68%+266 bps
Loan Growth (YoY)-1.60%0.53%-3.44%7.63%15.65%13.54%17.28%13.61%+598 bps
Share Growth (YoY)-4.89%-0.50%-4.02%-1.83%-1.94%0.25%5.37%2.08%+390 bps
Asset Quality
Delinquent Loans / Loans1.34%1.20%1.14%1.16%1.55%1.13%0.75%1.05%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.55%11.92%12.06%12.18%12.51%12.60%12.15%12.51%+33 bps
Net Worth / Assets11.55%11.92%12.06%12.18%12.51%12.60%12.15%12.51%+33 bps
Liquidity & Funding
Loans / Shares53.40%55.31%54.76%58.77%62.98%62.65%60.95%65.42%+664 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Reliance

King of Prussia, PA · Charter 4120 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)

NCUA · 2 branches

Q2 2026

$35.3MAssets
$20.1MLoans
$30.8MShares
$4.4MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 61% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 20 of 51).
  • Widest gap: efficiency ratio trails 60% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 31 of 50).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.48%

Rank 28 of 51

Net Interest Margin

3.78%

Rank 20 of 51

Efficiency Ratio

84.81%

Rank 31 of 50

Equity / Assets

12.51%

Rank 27 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.48%-0.05%0.48%0.90%Beats 45%28 / 51
Return on Equity3.81%-0.58%4.00%6.90%Beats 45%28 / 51
Net Interest Margin3.78%2.96%3.44%3.98%Beats 61%20 / 51
Efficiency Ratio84.81%73.91%81.87%94.16%Beats 40%31 / 50
Asset Quality
Nonperforming Loans / Loans1.05%0.19%0.96%1.83%Beats 46%28 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.51%10.44%12.55%18.48%Beats 47%27 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.51%10.44%12.55%18.48%Beats 47%27 / 51
Liquidity & Funding
Loans / Deposits65.41%28.84%50.95%65.41%75th pctl13 / 51
Loans / Assets57.12%20.51%39.58%57.94%73rd pctl14 / 51
Brokered Deposits / Depositsn/aNot reported for this institution