TellerScore

Headquartered in Oak Ridge, Tennessee, Y-12 Federal Credit Union is a federal credit union with $2.8B in total assets and $2.2B in member shares and deposits as of Q2 2026. It operates 19 offices across 2 states. Its charter dates back to 1950.

Y-12 Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 454 credit unions with $1 billion – $10 billion. Among 125 credit unions headquartered in Tennessee, it ranks 76th. Problem-loan coverage contributes the most (91/100, 4.4%); capital cushion contributes the least (55/100, 10.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.53%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings77/100
Return on assets (annualized): 1.44%
Funding & liquidity56/100
Loans ÷ shares: 102.8% · 15.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (73 → 70), mostly because the capital cushion component weakened by 8 points.

TellerScore
657177Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202476
Q4 202474
Q1 202574
Q2 202573
Q3 202566
Q4 202565
Q1 202670
Q2 202670
Net worth ratio
7.00%9.54%12.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.07%
Q3 202411.49%
Q4 202411.55%
Q1 202511.55%
Q2 202511.33%
Q3 20259.85%
Q4 20259.96%
Q1 202610.16%
Q2 202610.53%
Delinquent loans (60+ days)
0.22%0.37%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.22%
Q4 20240.26%
Q1 20250.27%
Q2 20250.36%
Q3 20250.38%
Q4 20250.48%
Q1 20260.43%
Q2 20260.52%
Return on assets
0.90%1.17%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.30%
Q4 20241.07%
Q1 20251.06%
Q2 20251.23%
Q3 20251.00%
Q4 20250.90%
Q1 20261.38%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$2.8B10.53%0.52%1.44%102.8%
Q1 202670$2.8B10.16%0.43%1.38%100.2%
Q4 202565$2.7B9.96%0.48%0.90%104.8%
Q3 202566$2.7B9.85%0.38%1.00%103.8%
Q2 202573$2.3B11.33%0.36%1.23%100.8%
Q1 202574$2.2B11.55%0.27%1.06%98.9%
Q4 202474$2.2B11.55%0.26%1.07%100.3%
Q3 202476$2.1B11.49%0.22%1.30%100.9%
Q2 202477$2.0B12.07%0.23%1.27%99.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.53%
41st
Problem loans0.52%
68th
Net charge-offs0.59%
41st
Return on assets1.44%
91st
Loans to deposits102.8%
9th
Uninsured deposits15.7%
11th
Loan-loss reserves0.00%
50th
Texas ratio4.4%
54th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Leaders Credit UnionCredit union Jackson, TN69 out of 100, Moderate$1.4B10.7%0.64%vs
Orion Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$1.3B18.4%0.55%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
Ornl Federal Credit UnionCredit union Oak Ridge, TN69 out of 100, Moderate$5.0B11.0%0.62%vs
Knoxville TVA Employees Credit UnionCredit union Knoxville, TN73 out of 100, Strong$5.3B11.2%0.34%vs

Deposit insurance

Is my money safe at Y-12 Federal Credit Union?

Yes. Y-12 Federal Credit Union is a federally insured credit union (NCUA charter #6775). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.7% of shares and deposits ($345.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.53%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

19 locations

Branches

Y-12 Federal Credit Union lists 19 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Y-12 Federal Credit Union reported 1,686 home-loan applications under HMDA (LEI 5493004NO7XCFVG4KD53): 988 originated ($193,270,000 total), 525 denied, and 160 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Y-12 Federal Credit Union
Type
Federal credit union
NCUA charter #
6775
RSSD ID
940786
Primary regulator
NCUA
Established
1950
Headquarters
501 Lafayette Drive, Oak Ridge, TN 37831
Employees
442

Quick answers

Y-12 Federal Credit Union: common questions

Is Y-12 Federal Credit Union NCUA insured?

Yes. Y-12 Federal Credit Union is a federally insured credit union (NCUA charter #6775). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Y-12 Federal Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Y-12 Federal Credit Union have?

19 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Oak Ridge

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs