Y-12 Federal Credit Union
Total assets
$2.77B
▲ +25.8% YoY
Shares & deposits
$2.22B
▲ +24.8% YoY
Loans
$2.23B
▲ +26.5% YoY
Members
137,505
▲ +16.7% YoY
ROA (annualized)
1.38%
peers 0.71%
ROE (annualized)
13.61%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.8% | +5.1% | +20.6 pts |
| Share growth (YoY) | +24.9% | +4.9% | +20.0 pts |
| Loan growth (YoY) | +26.5% | +5.4% | +21.1 pts |
| ROA | 1.38% | 0.71% | +0.7 pts |
| ROE | 13.6% | 6.3% | +7.3 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 501 Lafayette Drive, Oak Ridge, TN, 37831
- NCUA charter #
- 6775
- RSSD ID
- 940786
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.77B | $2.22B | $2.23B | $282.0M | $9.6M | 1.38% | 3.59% | 0.43% | 137,505 |
| Q4 2025 | $2.73B | $2.12B | $2.23B | $272.4M | $24.5M | 0.90% | 3.22% | 0.48% | 136,401 |
| Q3 2025 | $2.72B | $2.12B | $2.20B | $268.2M | $20.3M | 1.00% | 3.11% | 0.38% | 137,291 |
| Q2 2025 | $2.31B | $1.80B | $1.82B | $262.1M | $14.2M | 1.23% | 3.41% | 0.36% | 120,298 |
| Q1 2025 | $2.21B | $1.78B | $1.76B | $255.1M | $5.9M | 1.06% | 3.46% | 0.27% | 117,866 |
| Q4 2024 | $2.16B | $1.72B | $1.72B | $249.2M | $23.1M | 1.07% | 3.32% | 0.26% | 116,211 |
| Q3 2024 | $2.15B | $1.69B | $1.70B | $247.0M | $20.9M | 1.30% | 3.26% | 0.22% | 115,349 |
| Q2 2024 | $1.97B | $1.67B | $1.67B | $238.6M | $12.5M | 1.27% | 3.46% | 0.23% | 114,012 |
Loan mix (Q1 2026): real estate $802.6M · commercial $600.0M · consumer $737.5M · securities $267.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.71% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 6.3% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.32% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 73.0% | 15th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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