Reliance Federal Credit Union King of Prussia, Pennsylvania
Reliance Federal Credit Union is a federal credit union headquartered in King of Prussia, PA, established in 1940 (NCUA charter 4120), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,507 members and total assets of $35.3M (up 2.7% from Q2 2025), the 145th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 12.51% at Q2 2026, in the well capitalized band.
Also written as Reliance FCU
BankRegReports is independent of Reliance Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4120
- Headquarters
- King of Prussia, PA
- Established
- 1940
- Total assets, Q2 2026
- $35.3M
- Assets vs Q2 2025
- +2.7%
- Members, Q2 2026
- 2,507
- Net worth ratio, Q2 2026
- 12.51%
- Latest call report
- Q2 2026, NCUA 5300 · Reliance Federal Credit Union call report
- Asset rank in state
- 145th of 269 in Pennsylvania
- Routing number
- 231981697
- Branches
- 2
It has 6 fewer members than on June 30, 2025 (-0.2%). Its net worth ratio was up 0.33 percentage points from 12.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.6M of $20.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.05% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.51% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Reliance Federal Credit Union
First Pennsylvania Township Employees Federal Credit Union (2018) · Pennypack Federal Credit Union (2016)
Frequently asked about Reliance Federal Credit Union
How big is Reliance Federal Credit Union?
At Q2 2026 it reported total assets of $35.3M and 2,507 members.
Where is Reliance Federal Credit Union headquartered?
It is headquartered in King of Prussia, PA, United States.
When was Reliance Federal Credit Union founded?
It was established in 1940, per NCUA records.
Is Reliance Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4120): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Reliance Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Reliance Federal Credit Union well capitalized?
Its net worth ratio was 12.51% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Reliance Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.05% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Reliance Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 65.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- King of Prussia, PA 19406
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 4120
- RSSD ID
- 458272
- Members
- 2,507
- Potential members
- 20,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.51% | 14.31% | 36th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.51% | 0.72% | 41st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.07% | 4.74% | 45th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.86% | 3.93% | 47th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 82.41% | 79.83% | 45th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.13% | 0.78% | 31st below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.05% | 0.86% | 46th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.00% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 65.42% | 58.92% | 60th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$35.3M total assets against $34.3M; $30.8M total shares and deposits against $30.2M; $20.1M total loans against $17.7M.
$4.4M net worth against $4.2M.
12.51% net worth ratio against 12.18%.
65.42% loan-to-share ratio against 58.77%.
1.05% delinquency ratio against 1.16%.
0.51% return on assets against 0.95%; 4.07% return on equity against 7.84%.
3.86% net interest margin against 4.37%.
2,507 members against 2,513.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.51% | 0.51% | 1.05% | 65.42% |
| March 31, 2026 | 12.15% | 0.44% | 0.75% | 60.95% |
| December 31, 2025 | 12.60% | 0.88% | 1.13% | 62.65% |
| September 30, 2025 | 12.51% | 0.82% | 1.55% | 62.98% |
| June 30, 2025 | 12.18% | 0.95% | 1.16% | 58.77% |
| March 31, 2025 | 12.06% | 0.88% | 1.14% | 54.76% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.