TellerScore

Reliant Community Federal Credit Union is a federal credit union headquartered in Sodus, New York, in business for about 56 years. At the end of Q2 2026 it reported $788.4M in total assets and $697.5M in member shares and deposits, with 9 offices.

Reliant Community Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 145th. Problem-loan coverage contributes the most (95/100, 2.6%); capital cushion contributes the least (46/100, 9.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.57%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity84/100
Loans ÷ shares: 76.5% · 5.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202466
Q1 202567
Q2 202568
Q3 202567
Q4 202568
Q1 202669
Q2 202669
Net worth ratio
7.00%8.37%9.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.19%
Q3 20249.35%
Q4 20249.48%
Q1 20259.37%
Q2 20259.47%
Q3 20259.74%
Q4 20259.68%
Q1 20269.62%
Q2 20269.57%
Delinquent loans (60+ days)
0.28%0.37%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.28%
Q4 20240.43%
Q1 20250.30%
Q2 20250.36%
Q3 20250.45%
Q4 20250.41%
Q1 20260.36%
Q2 20260.36%
Return on assets
0.56%0.73%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.56%
Q4 20240.60%
Q1 20250.73%
Q2 20250.85%
Q3 20250.86%
Q4 20250.84%
Q1 20260.90%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$788.4M9.57%0.36%0.90%76.5%
Q1 202669$765.2M9.62%0.36%0.90%76.8%
Q4 202568$742.3M9.68%0.41%0.84%79.2%
Q3 202567$722.5M9.74%0.45%0.86%79.9%
Q2 202568$726.4M9.47%0.36%0.85%79.0%
Q1 202567$714.8M9.37%0.30%0.73%77.4%
Q4 202466$692.9M9.48%0.43%0.60%78.6%
Q3 202466$689.8M9.35%0.28%0.56%76.9%
Q2 202465$691.8M9.19%0.39%0.57%75.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.57%
22nd
Problem loans0.36%
77th
Net charge-offs0.23%
67th
Return on assets0.90%
61st
Loans to deposits76.5%
48th
Uninsured deposits5.6%
52nd
Loan-loss reserves0.00%
50th
Texas ratio2.6%
67th

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First Heritage Federal Credit UnionCredit union Corning, NY72 out of 100, Strong$839.7M11.1%0.44%vs
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Northern Federal Credit UnionCredit union Watertown, NY54 out of 100, Below average$698.2M10.5%1.32%vs
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Deposit insurance

Is my money safe at Reliant Community Federal Credit Union?

Yes. Reliant Community Federal Credit Union is a federally insured credit union (NCUA charter #20258). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.6% of shares and deposits ($39.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Reliant Community Federal Credit Union lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Reliant Community Federal Credit Union reported 1,018 home-loan applications under HMDA (LEI 549300E3VF26P7719Z56): 705 originated ($70,375,000 total), 225 denied, and 75 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Reliant Community Federal Credit Union
Type
Federal credit union
NCUA charter #
20258
RSSD ID
965985
Primary regulator
NCUA
Established
1970
Headquarters
10 Benton Pl, PO Box 40, Sodus, NY 14551
Employees
183

Quick answers

Reliant Community Federal Credit Union: common questions

Is Reliant Community Federal Credit Union NCUA insured?

Yes. Reliant Community Federal Credit Union is a federally insured credit union (NCUA charter #20258). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Reliant Community Federal Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Reliant Community Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sodus

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
The Summit Federal Credit UnionCredit union Rochester, NY72 out of 100, Strong$1.5B11.3%0.34%vs
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs
Family First of NY Federal Credit UnionCredit union Rochester, NY66 out of 100, Moderate$345.3M12.0%0.59%vs
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs