Side-by-side · Q2 2026 data
Y-12 Federal Credit Union vs Leaders Credit Union
Metric by metric
| Measure | Y-12 Federal Credit Union | Leaders Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 55 | 57 (stronger) |
| Loan quality | 83 (stronger) | 79 |
| Earnings | 77 (stronger) | 75 |
| Funding & liquidity | 56 | 58 (stronger) |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 58th | 54th |
| Total assets | $2.8B | $1.4B |
| Deposits / shares | $2.2B | $1.2B |
| Capital ratio | 10.53% | 10.71% (stronger) |
| Problem loans | 0.52% (stronger) | 0.64% |
| Net charge-offs | 0.59% (stronger) | 0.65% |
| Return on assets | 1.44% (stronger) | 1.38% |
| Loans ÷ deposits | 102.8% | 102.6% (stronger) |
| Uninsured deposits | 15.7% | 7.9% (stronger) |
| Offices | 19 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.4% | 18.6% |
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), Y-12 Federal Credit Union leads on 4 and Leaders Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.