Credit Union Safety Analysis
Is Y-12 Federal Credit Union Safe? Oak Ridge, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Y-12 Federal Credit Union has a net worth ratio of 10.53%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Y-12 Federal Credit Union's net worth ratio is 10.53%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.53%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 1.49%
- Loan-to-share ratio (Q2 2026): 102.85%
Y-12 Federal Credit Union (NCUA charter 6775, established 1950) reported $2.76B in assets and 137,984 members for Q2 2026 from Oak Ridge, Tennessee. It ranks 6 of 123 credit unions in Tennessee by total assets. Total assets grew 19.5% from $2.31B on June 30, 2025. It has 17,686 more members than on June 30, 2025 (+14.7%). Its net worth ratio was down 0.80 percentage points from 11.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $797.3M of $2.26B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.16% for Q1 2026; 11.33% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.43% for Q1 2026; 0.36% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.38% for Q1 2026; 1.44% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 100.23% for Q1 2026; 100.81% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $797.3M
- Commercial loans: $596.9M
- Used vehicle loans: $535.2M
- New vehicle loans: $138.0M
- Other secured non-real estate loans and lines of credit: $65.6M
- Unsecured credit card loans: $61.4M
- Other unsecured loans and lines of credit: $39.9M
- Non-federally guaranteed student loans: $21.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.76B | 10.53% | 0.52% | 1.49% | 102.85% |
| March 31, 2026 | $2.77B | 10.16% | 0.43% | 1.38% | 100.23% |
| December 31, 2025 | $2.73B | 9.96% | 0.48% | 0.61% | 104.82% |
| September 30, 2025 | $2.72B | 9.85% | 0.38% | 0.90% | 103.84% |
| June 30, 2025 | $2.31B | 11.33% | 0.36% | 1.44% | 100.81% |
| March 31, 2025 | $2.21B | 11.55% | 0.27% | 1.06% | 98.90% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Y-12 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6775) · FFIEC NIC profile (RSSD 940786)
Frequently asked questions
Is Y-12 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Y-12 Federal Credit Union's net worth ratio is 10.53%, above the 7% NCUA threshold for well capitalized.
Is Y-12 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Y-12 Federal Credit Union is a federally insured credit union (NCUA charter 6775): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Y-12 Federal Credit Union's key safety ratios?
For Q2 2026, Y-12 Federal Credit Union reports net worth 10.53%, delinquency 0.52%, ROA 1.49%, loan-to-share 102.85%.
What happens to my money if Y-12 Federal Credit Union fails?
For Q2 2026, Y-12 Federal Credit Union held $2.19B in shares and deposits for 137,984 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.