Federal credit union · Oak Ridge, Tennessee · NCUA charter #6775
Y-12
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.73B
- Total assets
- 136,401
- Members
- 10.2%
- Net-worth ratio
Y-12 scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.73B; members 136,401; net-worth ratio 10.16%; health rank #540 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#540 of 4,374 health · 2025Q4Y-12 · health 94/100 · $2.73B · 2025Q4
Call Report peers
Y-12 in the assets neighbourhood
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Y-12 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Y-12 sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Y-12
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +20.92 pp (104.82% vs 83.90%).
- Net Worth Ratio trails the peer set - 10.16% here, 11.18% peer average (-1.02 pp).
Y-12: in-state Call Report ranks
- Health composite ranks #20 of 127 among scored Tennessee credit unions.
- By total assets, Y-12 is #6 of 127 in Tennessee.
- Member book place in Tennessee: #6 of 127.
- One place up in Tennessee, ORNL (#19) ties at 94/100; one place down, First South Financial (#21) scores 93/100, 1 point lower.
Y-12: 2025Q4 → 2026Q1
Y-12: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $2.73B (2025Q4) to $2.77B (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.96% → 10.16%).
This credit union's 10.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Y-12 gives up 6 points in total. Loan-to-Share Ratio costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Y-12 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.16% | -1.02 pp |
| Delinquency Rate | 0.48% | -0.39 pp |
| Return on Assets | 0.85% | +0.34 pp |
| Member Growth | 17.37% | - |
| Loan-to-Share Ratio | 104.82% | +20.92 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Y-12 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.77B | - |
| 2025Q4 | $2.73B | 136,401 |
| 2024Q4 | $2.16B | 116,211 |
| 2023Q4 | $1.96B | 111,496 |
Credit Union Details
- Charter Number
- 6775
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Oak Ridge
- Data Quarter
- 2025Q4
Branch Locations (25)
The NCUA branch filing lists 25 physical offices for Y-12, spread across 17 cities in 2 states.
| Office | City |
|---|---|
| Y-12 FCU Oak Ridge Branch (Main Office) | Oak Ridge, TN |
| Y-12 FCU Clinton Branch | Clinton, TN |
| Y-12 FCU Clinton I/75 Branch | Clinton, TN |
| Y-12 FCU Farragut Branch | Farragut, TN |
| Y-12 FCU Roane County Branch | Harriman, TN |
| Y-12 FCU LaFollette Branch | Jacksboro, TN |
| Y-12 FCU North Knoxville Branch | Knoxville, TN |
| Y-12 FCU Hardin Valley Branch | Knoxville, TN |
| Y-12 FCU Operations Center | Knoxville, TN |
| Y-12 FCU Cedar Bluff Branch | Knoxville, TN |
| Y-12 FCU Middlebrook Branch | Knoxville, TN |
| Y-12 FCU Jacksboro | La Follette, TN |
| Y-12 FCU Lenoir City | Lenoir City, TN |
| FSB Lexington | Lexington, KY |
| FSB London | London, KY |
| Y-12 FCU Maryville Branch | Maryville, TN |
| Y-12 FCU Eagleton Branch | Maryville, TN |
| FSB Middlesboro | Middlesboro, KY |
| FSB Middlesboro East | Middlesboro, KY |
| FSB New Tazewell | New Tazewell, TN |
| FSB Pineville Main | Pineville, KY |
| FSB Pineville Harlan Rd | Pineville, KY |
| Y-12 FCU Powell Branch | Powell, TN |
| Y-12 FCU Sevierville Branch | Sevierville, TN |
| FSB Waterpark | Williamsburg, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Y-12 ranks #540 of 4,374 nationally on financial health and #20 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tennessee Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tennessee Valley
Frequently Asked Questions
Is Y-12 financially healthy?
On its 2025Q4 NCUA 5300 filing, Y-12 scores 94/100 (Excellent), with a 10.16% net worth ratio and 0.48% of loans delinquent. It ranks #540 of 4,374 nationally on health and #20 of 127 in Tennessee.
How does Y-12 compare to other credit unions?
Y-12 scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (104.82% vs 83.90%). Its widest shortfall is net worth ratio (10.16% vs 11.18%).
How can I join Y-12?
Y-12 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Y-12 directly for the exact boundaries and application steps.
Is my money safe at Y-12?
Y-12 is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Y-12's net worth ratio of 10.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.