Federal credit union · Sodus, New York · NCUA charter #20258
Reliant Community
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $742.3M
- Total assets
- 48,883
- Members
- 9.6%
- Net-worth ratio
Reliant Community scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $742.3M; members 48,883; net-worth ratio 9.62%; health rank #210 of 4,374; healthier than 95th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#210 of 4,374 health · 2025Q4Reliant Community · health 97/100 · $742.3M · 2025Q4
- NW 97/100
- DELQ 9.6%
- ROA 0.41%
- ASSETS 0.56%
- MEM $742.3M
- RANK 48,883
- PHOTO #210/4,374
- BOOK Granite State
- CHARTER 20258
Call Report peers
Reliant Community in the assets neighbourhood
Reliant Community's $742.3M assets sit next to Granite State ($743.4M) 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.
Reliant Community 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
97 Top 5% higher than 95% 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
Reliant Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20258 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Reliant Community
- Largest favorable gap: Delinquency Rate at 0.41% vs peer 0.87% (-0.46 pp).
- Largest lag: Loan-to-Share Ratio at 79.24% vs peer 83.90% (-4.66 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Reliant Community: in-state Call Report ranks
- Health composite ranks #16 of 272 among scored New York credit unions.
- By total assets, Reliant Community is #29 of 272 in New York.
- Member book place in New York: #27 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Reliant Community Call Report trajectory
Reliant Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $742.3M (2025Q4) to $765.2M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.68% → 9.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Reliant Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.62% | -1.56 pp |
| Delinquency Rate | 0.41% | -0.46 pp |
| Return on Assets | 0.56% | +0.05 pp |
| Member Growth | 3.22% | - |
| Loan-to-Share Ratio | 79.24% | -4.66 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Reliant Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $765.2M | - |
| 2025Q4 | $742.3M | 48,883 |
| 2024Q4 | $692.9M | 47,359 |
| 2023Q4 | $658.0M | 45,733 |
Credit Union Details
- Charter Number
- 20258
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Sodus
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for Reliant Community, spread across 9 cities.
| Office | City |
|---|---|
| Sodus (Main Office) | Sodus, NY |
| Brockport | Brockport, NY |
| Canandaigua | Canandaigua, NY |
| Farmington | Farmington, NY |
| Geneva | Geneva, NY |
| Macedon | Macedon, NY |
| Newark | Newark, NY |
| Irondequoit | Rochester, NY |
| Henrietta | Rochester, NY |
| Webster | Webster, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Reliant Community
Cross-state asset and health neighbours for Reliant Community - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($742.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Reliant Community ranks #210 of 4,374 nationally on financial health and #16 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sea Comm is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sea Comm
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Reliant Community financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - Reliant Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #210 of 4,374; by total assets it ranks #588 of 4,374 nationally (same basis as /rankings/largest); and #29 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.62% net worth ratio and 0.41% delinquency rate are the key drivers.
How does Reliant Community compare to other credit unions?
Reliant Community scores 97/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Reliant Community?
Reliant Community 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 Reliant Community directly for the exact boundaries and application steps.
Is my money safe at Reliant Community?
Federal credit unions like Reliant Community 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. Reliant Community's net worth ratio of 9.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Reliant Community offer compared to banks?
Credit unions like Reliant Community 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 Reliant Community 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.