Y-12
Federal • Oak Ridge, Tennessee • Est. 1950
Quick Facts
- Charter Number
- #6775
- Type
- Federal
- Established
- 1950
- Headquarters
- Oak Ridge, Tennessee 37831
- Address
- 501 Lafayette Drive
- Branches
- 25
- ATMs
- 23
- Members
- 136,401
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
136,401 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | Y-12 |
|---|---|
| Total Assets | $2.7B |
| Members | 136,401 |
| Loans Outstanding | $2.2B |
| Shares & Deposits | $2.1B |
| Net Worth | $272.4M |
| Net Worth Ratio | 9.96% |
| Loan-to-Share Ratio | 104.8% |
| Delinquency Rate | 0.48% |
| Net Income | +$44,764,388 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
25 locations · 23 ATMs
Y-12 FCU Clinton Branch
450 N Charles G Seivers Blvd
Clinton, TN 37716-3730
Y-12 FCU Maryville Branch
624 W Lamar Alexander Pkwy
Maryville, TN 37801-3904
Y-12 FCU Sevierville Branch
1203 Dolly Parton Pkwy
Sevierville, TN 37862
Y-12 FCU Oak Ridge Branch
Main Office501 Lafayette Dr
Oak Ridge, TN 37830-7909
Y-12 FCU North Knoxville Branch
6640 Clinton Hwy
Knoxville, TN 37912-1016
Who Can Join Y-12?
Membership Type: Occupational
Membership eligibility for Y-12 may vary. Contact the credit union directly to confirm qualification requirements.
Contact Y-12 directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Tennessee RankingsFrequently Asked Questions
Yes. Y-12 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, Y-12 has 136,401 members and a potential membership field of 5,400,000 people.
Y-12's net worth ratio is 9.96% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, Y-12 meets this threshold.
Y-12 operates 25 branch locations and has access to 23 ATMs. The main office is located at 501 Lafayette Dr, Oak Ridge, TN 37830-7909.
Y-12 was established in 1950. It is a federal credit union chartered under charter number 6775. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or Y-12. All financial data is for informational purposes only.