Side-by-side · Q2 2026 data
Relyance Bank vs Pine Federal Credit Union
Metric by metric
| Measure | Relyance Bank | Pine Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 87 (stronger) | 50 |
| Earnings | 69 (stronger) | 66 |
| Funding & liquidity | 39 | 97 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 80th | 65th |
| Total assets | $1.4B | $62.8M |
| Deposits / shares | $1.2B | $47.3M |
| Capital ratio | 13.27% | 24.54% (stronger) |
| Problem loans | 0.40% (stronger) | 1.49% |
| Net charge-offs | 0.02% (stronger) | 0.70% |
| Return on assets | 1.21% (stronger) | 1.14% |
| Loans ÷ deposits | 91.8% | 62.9% (stronger) |
| Uninsured deposits | 41.1% | 7.2% (stronger) |
| Offices | 21 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Pine Federal Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Relyance Bank leads on 3 and Pine Federal Credit Union on 4. 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.