Side-by-side · Q2 2026 data
Y-12 Federal Credit Union vs Ascend Federal Credit Union
Metric by metric
| Measure | Y-12 Federal Credit Union | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 55 | 96 (stronger) |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 77 (stronger) | 68 |
| Funding & liquidity | 56 | 70 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 58th | 92nd |
| Total assets | $2.8B | $4.8B |
| Deposits / shares | $2.2B | $3.9B |
| Capital ratio | 10.53% | 14.55% (stronger) |
| Problem loans | 0.52% | 0.49% (stronger) |
| Net charge-offs | 0.59% | 0.44% (stronger) |
| Return on assets | 1.44% (stronger) | 1.20% |
| Loans ÷ deposits | 102.8% | 90.5% (stronger) |
| Uninsured deposits | 15.7% | 10.1% (stronger) |
| Offices | 19 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.4% | 22.1% |
Ascend Federal Credit Union has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Y-12 Federal Credit Union leads on 1 and Ascend Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.