Side-by-side · Q2 2026 data
Five Star Bank vs Reliant Community Federal Credit Union
Credit union
Reliant Community Federal Credit Union
Sodus, New York · $100 million – $1 billion
Metric by metric
| Measure | Five Star Bank | Reliant Community Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 59 (stronger) | 46 |
| Loan quality | 73 | 88 (stronger) |
| Earnings | 77 (stronger) | 56 |
| Funding & liquidity | 37 | 84 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 40th | 48th |
| Total assets | $6.3B | $788.4M |
| Deposits / shares | $5.3B | $697.5M |
| Capital ratio | 10.87% (stronger) | 9.57% |
| Problem loans | 0.82% | 0.36% (stronger) |
| Net charge-offs | 0.27% | 0.23% (stronger) |
| Return on assets | 1.42% (stronger) | 0.90% |
| Loans ÷ deposits | 88.7% | 76.5% (stronger) |
| Uninsured deposits | 46.4% | 5.6% (stronger) |
| Offices | 47 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 23.9% |
Reliant Community Federal Credit Union has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 2 and Reliant Community Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rochester, NY
- Brockport, NY
- Canandaigua, NY