Charter 6775 · Oak Ridge, TN
Y-12 Federal Credit Union
Y-12 Federal Credit Union is a federally chartered credit union in Oak Ridge, Tennessee, with $2.76 billion in assets and 137,984 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.53%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $2.76 billion
- +19.5% in a year
- Members
- 137,984
- +14.7% in a year
- Net worth ratio
- 10.53%
- Peer median 10.79%
- Loans 60+ days late
- 0.52%
- Peer median 0.67%
- Loans outstanding
- $2.26 billion
- +24.3% in a year
- Shares and deposits
- $2.19 billion
- +21.8% in a year
- Branches
- 24
- 442 employees
- Opened
- 1950
- Federal charter
How Y-12 Federal Credit Union compares
NCUA groups credit unions by size; Y-12 Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.53% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.52%, is lower than the group median of 0.67%. Loans grew 24.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 6 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.76 billion | 137,984 | $2.26 billion | 10.53% | 0.52% |
| Q1 2026 | $2.77 billion | 137,505 | $2.23 billion | 10.16% | 0.43% |
| Q4 2025 | $2.73 billion | 136,401 | $2.23 billion | 9.96% | 0.48% |
| Q3 2025 | $2.72 billion | 137,291 | $2.20 billion | 9.85% | 0.38% |
| Q2 2025 | $2.31 billion | 120,298 | $1.82 billion | 11.33% | 0.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 5.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 25 sites for Y-12 Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Y-12 FCU Clinton Branch
450 N Charles G Seivers Blvd, Clinton, TN 37716 - Y-12 FCU Maryville Branch
624 W Lamar Alexander Pkwy, Maryville, TN 37801 - Y-12 FCU Sevierville Branch
1203 Dolly Parton Pkwy, Sevierville, TN 37862 - Y-12 FCU Oak Ridge Branch (main office)
501 Lafayette Dr, Oak Ridge, TN 37830 - Y-12 FCU North Knoxville Branch
6640 Clinton Hwy, Knoxville, TN 37912 - Y-12 FCU Roane County Branch
1715 Roane State Hwy, Harriman, TN 37748 - Y-12 FCU Eagleton Branch
2901 Old Knoxville Hwy, Maryville, TN 37804 - Y-12 FCU Farragut Branch
13128 Kingston Pike, Farragut, TN 37934 - Y-12 FCU Hardin Valley Branch
2377 Cherahala Blvd, Knoxville, TN 37932 - Y-12 FCU LaFollette Branch
2550 Jacksboro Pike, Jacksboro, TN 37757 - Y-12 FCU Clinton I/75 Branch
101 Crosspark Dr, Clinton, TN 37716 - Y-12 FCU Operations Center
2375 Cherahala Blvd, Knoxville, TN 37932 - Y-12 FCU Jacksboro
1011 E Central Ave, La Follette, TN 37766 - Y-12 FCU Powell Branch
530 E Emory Rd, Powell, TN 37849 - Y-12 FCU Cedar Bluff Branch
9245 Kingston Pike, Knoxville, TN 37922 - Y-12 FCU Lenoir City
391 Highway 321 N, Lenoir City, TN 37771 - Y-12 FCU Middlebrook Branch
9133 Middlebrook Pike, Knoxville, TN 37923 - FSB Lexington
3620 Walden Dr Ste 100, Lexington, KY 40517 - FSB London
400 S Main St, London, KY 40741 - FSB Middlesboro
1820 Cumberland Ave, Middlesboro, KY 40965 - FSB Middlesboro East
815 E Lothbury Ave, Middlesboro, KY 40965 - FSB New Tazewell
502 S Broad St, New Tazewell, TN 37825 - FSB Pineville Main
101 E Virginia Ave, Pineville, KY 40977 - FSB Waterpark
1048 W Highway 92, Williamsburg, KY 40769 - FSB Pineville Harlan Rd
287 Us Highway 119, Pineville, KY 40977
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology