Side-by-side · Q2 2026 data
Sm Federal Credit Union vs Reliance Credit Union
Metric by metric
| Measure | Sm Federal Credit Union | Reliance Credit Union |
|---|---|---|
| TellerScore | 89 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 70 | 80 (stronger) |
| Funding & liquidity | 81 | 97 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 87th | 94th |
| Total assets | $77.2M | $25.1M |
| Deposits / shares | $61.4M | $20.9M |
| Capital ratio | 19.98% (stronger) | 16.44% |
| Problem loans | 0.24% (stronger) | 0.30% |
| Net charge-offs | 0.00% (stronger) | 0.41% |
| Return on assets | 1.24% | 1.50% (stronger) |
| Loans ÷ deposits | 78.9% | 63.6% (stronger) |
| Uninsured deposits | 3.3% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Reliance Credit Union has the higher TellerScore (93 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Sm Federal Credit Union leads on 3 and Reliance Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.