# Y-12
Oak Ridge, TN · NCUA charter 6775 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/y-12-6775

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 137,505 members of 5,400,000 potential (2.5% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.77B |
| Members | 137,505 (16.7% YoY) |
| Full-time staff | 444 |
| Net worth | $282.0M |
| Net worth ratio | 10.2% (p37 of band) |
| ROA (annualized) | 1.38% (p90 of band) |
| Total delinquency | 0.43% (p30 of band) |
| Net charge-offs (annualized) | 0.65% (p64 of band) |
| Loans / shares | 100% (p90 of band) |
| Cash / assets | 4.7% |
| Borrowings / assets | 8.65% |
| Net interest margin | 3.59% (p69 of band) |
| Operating expense / assets | 3.23% (p51 of band) |
| Vehicles % of loans | 29% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 172% (p60 of band) |
| Vehicle delinquency | 0.48% (p38 of band) |
| Vehicle NCO | 1.66% (p78 of band) |
| Repossessed % of vehicle book | 0.12% (p64 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 213% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 27% |
| Average share balance | $8,343 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $31.9M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $29,707 |
| Loans granted, annualized | $598.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $31.9M outstanding purchased (11.3% of net worth), $22.3M sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 24.8% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | charge-offs p90 |  |
| 2017-06 | 6 | delinquency rising |  |
| 2017-09 | 5 |  | delinquency rising |
| 2017-12 | 5 |  |  |
| 2018-03 | 3 |  | thin capital, charge-offs p90 |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 4 | members leaving | charge-offs p90 |
| 2019-06 | 3 |  | members leaving |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | leaning on borrowings |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | loans>95% of shares |
| 2021-03 | 2 | members leaving |  |
| 2021-06 | 1 |  | members leaving |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 5 | net worth falling, delinquency rising |  |
| 2023-03 | 4 |  | net worth falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | leaning on borrowings |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | leaning on borrowings |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | net worth falling |  |
| 2025-12 | 4 |  | net worth falling |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-03 [When vigilance saves the day: How Y-12 Credit Union stopped a Bitcoin scam - americascreditunions.org](https://news.google.com/rss/articles/CBMizgFBVV95cUxOYUV5UzFCZWFTMEtoN3V6S2NjMkZBQ3htNWs3ZFJLaWZiMy02UzB2TUpuOGRxSk5ncnZyMWU3Z3IzdzJhSmdSUGJpNFk0c1JsaGx3M3BzQ19UR2RMRXpuUGF0Y1N2WkZwVXNjLTlUQUpqOHlYR1RJS1JGSkdpODNQd2txMUV6cnZrREZnSG5Del8zR1ktMk9BWldyWE1rNWg5Yl9FdVVTazJsOTJOOWhxc3BFOXgtYkhWM0tyclBra3ptV2RVZVJkWjJnWnZNdw?oc=5) · americascreditunions.org
- 2026-04-30 [Y‑12 Credit Union expands business services leadership team across Tennessee and Kentucky to support growing commercial member needs - CUInsight](https://news.google.com/rss/articles/CBMigwJBVV95cUxNT2VxTVpYenBjWHprRDN5a2dPYlE5N0loU2dQNkw4QXFwWjhsRkx0UVo0aUtDbzBpMlBxRDlJS3NoTjl1VlRrS2U0Sm9IYV96eFg0UzFfWjdhcHFfRFM1ZnhmR1UwTU0wYkw1OXEyYnlYUE1yZGJWamtaOEtOdkVhaHZlQjFINmU5WFpNTFJZNEQzSHhSYVVFV24yMHVzM3QtREs4WVY5c083Zl81ejNSdXlXNlRUbGN1VEwwUkd4ZmVGVWktV1l2akpvWU5tS2E5MGpLYVR3WVp0aVhOMmwyN3Y3bFMzZXBKaC1uRG5YbGZ0MC1naTFrWEdjZ012bUEtUlZF?oc=5) · CUInsight
- 2026-07-16 [Y-12 Credit Union’s 2026 annual Charity Golf Tournament - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYlBsWlF6Rk1GRWFZajJHdTk2X3lZcnRmaEFfNVRVQkFPRzZQbV9aa2pSYmg3S3ZIb09wUFBCUU5maVkxN2J1WkRQQ1AyTG1NMjVmRTBQYzRja3NBcjVCOWN0NWZpS3VycFJzaFpuMmtYOWxURWszYkV3MHh2ZjlNYzkzbS1CMEVVYk12S0pld3I4NnhWLWc?oc=5) · WATE 6 On Your Side
- 2024-10-24 [Tennessee credit union crosses state line in bank purchase - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxNcUlsTE5JMDdoSWIxcUhZTFc1SUVvYW16ZjdHem9ybUtSYlREc005SV9CcldzcWVpVnhyYjFFTzl5LW9CVmFSN3l6NjNQdGxXZ21DZldVLTZ2Ry05N0dGWWh2RkNjZE94WGhES1JObEpiQ1FCeTR1VnZudjJzbmVzYWVyakVFOWlGTk9BX2oyNnVZdENVbER2a1dOaEFDcHNZTVNOd1J3aXpnN1BSVzFPYg?oc=5) · Banking Dive
- 2025-06-04 [FBI Seeks Suspect Who Robbed the Y-12 Federal Credit Union Today - fbi.gov](https://news.google.com/rss/articles/CBMizgFBVV95cUxPTzRhdDEwcWo3SjloN2pzXzhHYktMUS05empNeVQydkxEYmlwSWlrWTkxY3ZhZHlfM2FxdU5XYmF4eEhQLWZUNlBGa3dPUjVGeHhreVo5TW91MmZyTjc5a1lPSnE1dTBibEtnTUxaaS16LW94SEpoaE9kY3Exby13UjQtR3BHMjJsc3VLS1NId3Y4V2tLTml0cWk0QS1PM09sV3Q2czlXaEhJbHUxRXBpOFprd0E1RGZBZHp6SWRUM2cyemNjSnY1MlJDTVpLQQ?oc=5) · fbi.gov
- 2025-07-01 [Y-12 Federal Credit Union finalizes acquisition of First State Bank of the Southeast - Middlesboro News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxON0FxUTNpbnpuOEd4cUN4eXZmVDBZaEVOdklLWHZjanhORUpCODgtbTNMZkEwdXVtVjBaZlplRE01Z2c0cG1Da1ZGU3l2N3FNZUFvSVA4VVhWUWw3NjdGT2V0a0Z0QVlSYzhtdUEwMTJUcXVhUWdWcFFLZXYzMDR5M2F0WE4xMUVIQ28zWS1lRW9ERERSN201UmkzeWtmU0VidUtuUlRqZjN1eXg3dDRMTE5RVks2SkM0Zldzb2NDMTZldw?oc=5) · Middlesboro News
- 2024-10-23 [Oak Ridge-based Y-12 Federal Credit Union to acquire First State Bank of the Southeast - Oak Ridger](https://news.google.com/rss/articles/CBMiygFBVV95cUxNeHBBVUxJVUxxd3NDbWFWd2dDMFJMVDZUSWt0Mi1za1NHZUc0OEJyVFQxV3ZwRVQzbUUtNlo3QTN1LWxZRjVxQ0lmdGNHeWVid3l6d3Q3OTBEamNtRHNjM1JUVE5zazV0WEwwakt6NjhoNE1rV1d3ZUQyNk5xaGhFMXpZYThzNno0M0pfNlNMSlExTWlhakNfYThPdGdOdlZUVlo4VXk4NXNFMDhoVUVTM2k2b2twNGRUZ2JpUFRZVmo1NDAyWTZpTWlB?oc=5) · Oak Ridger
- 2024-10-23 [Y-12 Credit Union Announces Plans to Acquire First State Bank of the Southeast - The Big ONE 106.3 FM WRIL](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMlpraXNOR1dDeDFXWl91Wlp1eGU5UjJzVXlCS2dLWUozdDFqeURNazROc1UxWWR0dEZSTF9RdHM3SHdDTzFyZmpQZ1FFb1RvOUgwOTRUaFV4cm42a05DV2pPUXl3bWxMN0t3bDM0UzlNaFBjQXZJSmJUTlZtMU5hdm9mQndfQUpQckFTZTZwVlNCZVBtWGMta0MxTkRJWmNjb3lSWGhWMnNuLTFGNUtR?oc=5) · The Big ONE 106.3 FM WRIL

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6775 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "6775", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6775
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide