Federal credit union · King of Prussia, Pennsylvania · NCUA charter #4120
RELIANCE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $34.3M
- Total assets
- 2,508
- Members
- 12.2%
- Net-worth ratio
RELIANCE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.3M; members 2,508; net-worth ratio 12.15%; health rank #2,110 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,110 of 4,374 health · 2025Q4RELIANCE · health 84/100 · $34.3M · 2025Q4
Call Report peers
RELIANCE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RELIANCE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RELIANCE sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
RELIANCE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 62.65% vs peer 59.80% (+2.85 pp).
- Net Worth Ratio trails the peer set - 12.15% here, 14.86% peer average (-2.71 pp).
Pennsylvania standing for RELIANCE
- Pennsylvania health ordinal: #103 of 275.
- Pennsylvania assets place: #147 of 275.
- Membership ranks #150 of 275 among Pennsylvania CUs with a reported count (2,508 members).
- One place up in Pennsylvania, ARC (#102) ties at 84/100; one place down, Stanwood Area (#104) ties at 84/100.
RELIANCE Call Report trajectory
RELIANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $34.3M (2025Q4) to $35.9M (2026Q1).
- Net-worth ratio shifted -0.45 pp (12.60% → 12.15%).
At 12.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
RELIANCE gives up 16 points in total. Member Growth costs the most, 8.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 13.2 pts
Call Report ratios for RELIANCE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.15% | -2.71 pp |
| Delinquency Rate | 1.13% | -0.01 pp |
| Return on Assets | 1.18% | +0.48 pp |
| Member Growth | -1.22% | - |
| Loan-to-Share Ratio | 62.65% | +2.85 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.9M | - |
| 2025Q4 | $34.3M | 2,508 |
| 2024Q4 | $33.8M | 2,539 |
| 2023Q4 | $33.9M | 2,573 |
Credit Union Details
- Charter Number
- 4120
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- King of Prussia
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, RELIANCE runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| King of Prussia (Main Office) | King of Prussia, PA |
| Reliance Branch | Philadelphia, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near RELIANCE
Using this data
- RELIANCE ranks #2,110 of 4,374 nationally on financial health and #103 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HIGHWAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HIGHWAY
Frequently Asked Questions
Is RELIANCE financially healthy?
On its 2025Q4 NCUA 5300 filing, RELIANCE scores 84/100 (Excellent), with a 12.15% net worth ratio and 1.13% of loans delinquent. It ranks #2,110 of 4,374 nationally on health and #103 of 275 in Pennsylvania.
How does RELIANCE compare to other credit unions?
RELIANCE scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.65% vs 59.80%). Its widest shortfall is net worth ratio (12.15% vs 14.86%).
How can I join RELIANCE?
RELIANCE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact RELIANCE directly for the exact boundaries and application steps.
Is my money safe at RELIANCE?
RELIANCE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. RELIANCE's net worth ratio of 12.15% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.