Y-12

Charter #6775 | TN

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in TN

Y-12 has 15 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.8% in tier
  • + Organic Growth Engine: Top 1.1% in tier
  • + Relationship Depth Leader: Top 4.7% in tier
  • + Wallet Share Momentum: Top 9.6% in tier
  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.10% above tier average
  • + Strong member growth: 19.0% YoY
  • + Asset Growth Rate: Top 0.7% in tier
  • + Member Growth Rate: Top 1.0% in tier
  • + Deposit Growth Rate: Top 1.0% in tier
  • + Loan Growth Rate: Top 1.6% in tier
  • + Total Loans: Top 3.0% in tier
  • + Total Assets: Top 5.3% in tier
  • + Loan-to-Share Ratio: Top 6.9% in tier
  • + Efficiency Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.4% in tier
  • - Growth-at-Risk: Bottom 2.2% in tier
  • - Margin Compression: Bottom 8.5% in tier
  • - Credit Quality Pressure: Bottom 10.8% in tier
  • - Indirect Auto Dependency: Bottom 18.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 137,291
+19.0% YoY+14.1% QoQ
 +38.6K 98,678
-1.9% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Top 18.8% in tier
Assets $2.7B
+26.8% YoY+17.7% QoQ
 +$1.0B $1.7B
+0.5% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 5.6% in tier
Loans $2.2B
+29.1% YoY+21.0% QoQ
 +$964.2M $1.2B
+0.5% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 3.3% in tier
Deposits $2.1B
+25.4% YoY+17.5% QoQ
 +$661.7M $1.5B
+1.3% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 14.8% in tier
ROA 1.1%
-20.2% YoY-14.2% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 18.8% in tier
NIM 3.4%
-1.0% YoY-3.5% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 56th in tier
Efficiency Ratio 62.0%
-3.5% YoY+0.5% QoQ
 -12.0% 74.0%
-10.9% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 9.9% in tier
Delinquency Rate 0.4%
+74.7% YoY+5.8% QoQ
 -0.4 0.8%
+6.1% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Bottom 20.7% in tier
Loan To Share 103.8%
+2.9% YoY+3.0% QoQ
 +18.6% 85.2%
-0.8% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 7.2% in tier
AMR $31,417
+6.9% YoY+4.5% QoQ
 +$2K $29,172
+2.8% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 70th in tier
CD Concentration 26.9%
-6.0% YoY-3.8% QoQ
 -2.1% 29.0%
+0.8% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 43rd in tier
Indirect Auto % 19.0%
+4.0% YoY-10.2% QoQ
 +0.2% 18.8%
-2.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 56th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#4 of 138 • Top 0.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 19.02%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#9 of 246 • Top 1.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 19.02%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.08%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 19.03%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#35 of 264 • Top 4.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#70 of 264 • Top 9.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#3 of 183 • Bottom 0.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 103.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 29.08%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Growth-at-Risk

risk
#13 of 161 • Bottom 2.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 29.08%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Margin Compression

decline
#8 of 24 • Bottom 8.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.27% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $2.72B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Credit Quality Pressure

risk
#84 of 217 • Bottom 10.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#114 of 202 • Bottom 18.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 26.77%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.03%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 19.02%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (14 metrics)

3
Asset Growth Rate
growth
Value: 26.77%
Peer Avg: 4.83%
#3 of 304 Top 0.7% in 1B-3B tier
4
Member Growth Rate
growth
Value: 19.02%
Peer Avg: 2.20%
#4 of 304 Top 1.0% in 1B-3B tier
4
Deposit Growth Rate
growth
Value: 25.43%
Peer Avg: 5.58%
#4 of 304 Top 1.0% in 1B-3B tier
6
Loan Growth Rate
growth
Value: 29.08%
Peer Avg: 5.27%
#6 of 304 Top 1.6% in 1B-3B tier
10
Total Loans
balance_sheet
Value: $2.20B
Peer Avg: $1.23B
#10 of 304 Top 3.0% in 1B-3B tier
17
Total Assets
balance_sheet
Value: $2.72B
Peer Avg: $1.72B
#17 of 304 Top 5.3% in 1B-3B tier
22
Loan-to-Share Ratio
balance_sheet
Value: 103.84%
Peer Avg: 85.19%
#22 of 304 Top 6.9% in 1B-3B tier
31
Efficiency Ratio
profitability
Value: 61.99%
Peer Avg: 73.97%
#31 of 304 Top 9.9% in 1B-3B tier
45
Total Deposits
balance_sheet
Value: $2.12B
Peer Avg: $1.45B
#45 of 304 Top 14.5% in 1B-3B tier
54
Loan-to-Member Ratio (LMR)
engagement
Value: $16,004
Peer Avg: $13,213
#54 of 304 Top 17.4% in 1B-3B tier

Top Weaknesses (0 metrics)

No weakness rankings available