Y-12
Charter #6775 · Oak Ridge, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.39% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.42% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 54th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | Y-12 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.77B | 62th pct | 49th pct |
| Members | 137,505 | 56th pct | 39th pct |
| Net worth ratio | 10.16% | 36th pct | 38th pct |
| Return on average assets | 1.39% | 89th pct | 89th pct |
| Net interest margin | 3.61% | 67th pct | 74th pct |
| Cost of funds | 2.18% | 71th pct | 54th pct |
| Loan-to-share | 100.23% | 91th pct | 82th pct |
| Delinquency 60+ days | 0.43% | 30th pct | 33th pct |
| Net charge-off ratio | 0.65% | 62th pct | 70th pct |
| Loan growth YoY | 1.36% | 44th pct | 45th pct |
| Share growth YoY | 5.00% | 64th pct | 65th pct |
| Efficiency ratio | 62.42% | 17th pct | 15th pct |
structural peer set hash: 569a1a383de805b4add1388c2f44ceb9… (reproducible)
Closest structural peers
This is the free public view
Claim Y-12
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.