Y-12
Oak Ridge, TN · Charter 6775 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
$2.8BAssets
$2.3BLoans
$2.2BShares
$290.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions $1B-$10B in assets (rank 16 of 435).
- Widest gap: equity / assets trails 58% of credit unions $1B-$10B in assets (rank 254 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.44%
Rank 43 of 435
Net Interest Margin
3.65%
Rank 135 of 435
Efficiency Ratio
63.44%
Rank 92 of 435
Equity / Assets
10.53%
Rank 254 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.55% | 0.81% | 1.14% | Beats 90% | 43 / 435 | |
| Return on Equity | 13.65% | 5.12% | 7.41% | 9.70% | Beats 96% | 16 / 435 | |
| Net Interest Margin | 3.65% | 3.01% | 3.39% | 3.75% | Beats 69% | 135 / 435 | |
| Efficiency Ratio | 63.44% | 65.25% | 71.39% | 77.86% | Beats 79% | 92 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.45% | 0.69% | 1.05% | Beats 68% | 140 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.53% | 9.81% | 10.84% | 12.63% | Beats 42% | 254 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.53% | 9.81% | 10.84% | 12.63% | Beats 42% | 254 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 102.85% | 78.33% | 88.38% | 95.61% | 91st pctl | 40 / 435 | |
| Loans / Assets | 81.70% | 67.69% | 74.58% | 80.80% | 81st pctl | 84 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |