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
- DELQ 84/100
- ROA 12.2%
- ASSETS 1.13%
- MEM 1.18%
- RANK $34.3M
- PHOTO 2,508
- BOOK #2,110/4,374
- CHARTER Montana Educators'
- NCUSIF 4120
Call Report peers
RELIANCE in the assets neighbourhood
RELIANCE's $34.3M assets sit next to Montana Educators' ($34.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
RELIANCE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4120. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RELIANCE Call Report trajectory
RELIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $34.3M (2025Q4) to $35.9M (2026Q1).
- Net-worth ratio shifted -0.45 pp (12.60% → 12.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
RELIANCE's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is RELIANCE financially healthy?
RELIANCE has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,110 of 4,374; by total assets it ranks #2,738 of 4,374 nationally (same basis as /rankings/largest); and #147 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.15% and delinquency rate of 1.13%.
How does RELIANCE compare to other credit unions?
On PlainCU's health composite, RELIANCE lands at 84/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like RELIANCE are 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."
What rates does RELIANCE offer compared to banks?
Credit unions like RELIANCE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact RELIANCE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.