PackageTrendsPeer
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Reliance

Kansas City, KS · Charter 63169

NCUA · 2 branches

Q2 2026

$25.1MAssets
$13.3MLoans
$20.9MShares
$4.1MNet 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 1.50%, up 37 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 0.30% of loans (+24 bps YoY).
  • Capital: net worth / assets of 16.44%, up 176 bps from a year ago.
  • Funding: loans stand at 63.63% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.50%+37 bps YoY

Net Interest Margin (quarter, annualized)

4.40%+79 bps YoY

Efficiency Ratio (quarter, annualized)

70.08%-321 bps YoY

Net Worth / Assets

16.44%+176 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.22%1.30%1.34%1.50%+37 bps
Return on Equity7.72%8.15%8.43%8.52%9.13%+141 bps
Net Interest Margin3.60%3.73%3.88%4.14%4.40%+79 bps
Efficiency Ratio73.29%72.11%71.26%71.78%70.08%-321 bps
Growth
Asset Growth (YoY)-6.21%-4.43%1.66%-1.89%-1.74%+448 bps
Loan Growth (YoY)0.55%5.14%12.06%10.48%7.58%+703 bps
Share Growth (YoY)-8.20%-6.46%0.44%-3.91%-3.58%+462 bps
Asset Quality
Delinquent Loans / Loans0.06%0.21%0.28%0.08%0.30%+24 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 Capital14.68%14.94%15.39%15.69%16.44%+176 bps
Net Worth / Assets14.68%14.94%15.39%15.69%16.44%+176 bps
Liquidity & Funding
Loans / Shares57.03%59.95%62.67%61.94%63.63%+660 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps