Side-by-side · Q2 2026 data
Reliance Savings Bank vs Your Choice Federal Credit Union
Credit union
Your Choice Federal Credit Union
Altoona, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Reliance Savings Bank | Your Choice Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 85 (stronger) |
| Capital cushion | 72 | 76 (stronger) |
| Loan quality | 91 | 97 (stronger) |
| Earnings | 32 | 65 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 34th | 77th |
| Total assets | $648.9M | $14.0M |
| Deposits / shares | $511.7M | $12.2M |
| Capital ratio | 12.24% | 12.55% (stronger) |
| Problem loans | 0.26% | 0.09% (stronger) |
| Net charge-offs | 0.01% | -0.07% (stronger) |
| Return on assets | 0.30% | 1.13% (stronger) |
| Loans ÷ deposits | 97.4% | 25.5% (stronger) |
| Uninsured deposits | 29.8% | 0.5% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | — |
Your Choice Federal Credit Union has the higher TellerScore (85 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Reliance Savings Bank leads on 0 and Your Choice Federal Credit Union on 7. 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.