Side-by-side · Q2 2026 data
Y-12 Federal Credit Union vs Alcoa Municipal Employees Federal Credit Union
Credit union
Alcoa Municipal Employees Federal Credit Union
Alcoa, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Y-12 Federal Credit Union | Alcoa Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 94 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 77 | 91 (stronger) |
| Funding & liquidity | 56 | 74 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 58th | 95th |
| Total assets | $2.8B | $4.5M |
| Deposits / shares | $2.2B | $3.7M |
| Capital ratio | 10.53% | 18.91% (stronger) |
| Problem loans | 0.52% | 0.00% (stronger) |
| Net charge-offs | 0.59% | 0.25% (stronger) |
| Return on assets | 1.44% | 1.77% (stronger) |
| Loans ÷ deposits | 102.8% | 86.3% (stronger) |
| Uninsured deposits | 15.7% | 0.0% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.4% | — |
Alcoa Municipal Employees Federal Credit Union has the higher TellerScore (94 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Y-12 Federal Credit Union leads on 0 and Alcoa Municipal Employees Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.