Side-by-side · Q2 2026 data
Ornl Federal Credit Union vs Y-12 Federal Credit Union
Metric by metric
| Measure | Ornl Federal Credit Union | Y-12 Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 60 (stronger) | 55 |
| Loan quality | 79 | 83 (stronger) |
| Earnings | 66 | 77 (stronger) |
| Funding & liquidity | 61 (stronger) | 56 |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 54th | 58th |
| Total assets | $5.0B | $2.8B |
| Deposits / shares | $4.0B | $2.2B |
| Capital ratio | 11.01% (stronger) | 10.53% |
| Problem loans | 0.62% | 0.52% (stronger) |
| Net charge-offs | 0.73% | 0.59% (stronger) |
| Return on assets | 1.15% | 1.44% (stronger) |
| Loans ÷ deposits | 98.8% (stronger) | 102.8% |
| Uninsured deposits | 9.7% (stronger) | 15.7% |
| Offices | 25 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.4% |
Y-12 Federal Credit Union has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Ornl Federal Credit Union leads on 3 and Y-12 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.