Y-12
Y-12 is a credit union based in Oak Ridge, Tennessee, established in 1950, with $2.8 billion in total assets serving 137,505 members. By Trust Grade it ranks 75th of 126 credit unions we track in Tennessee. Its net worth ratio of 10.2% trails most similarly sized credit unions (35th percentile), versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 1.38% return on assets. No consumer complaints against Y-12 appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Y-12 compares to Tennessee peers
How we graded Y-12
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.2% capital ratio)
- Strongly profitable (ROA 1.38%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Y-12 over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Y-12 insured?
Yes. Y-12 is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Y-12: frequently asked questions
Is Y-12 a good credit union?
Y-12 earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (10.2% capital ratio); Strongly profitable (ROA 1.38%).
Is Y-12 NCUA-insured?
Yes. Y-12 is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Y-12?
Y-12 holds $2.8 billion in total assets, ranking 75th of 126 credit unions we track in Tennessee. It serves 137,505 members.
Does Y-12 have CFPB complaints?
No CFPB complaints against Y-12 appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
