Oak Ridge, Tennessee · Peer group 6
Y-12 Credit Union
Y-12 Credit Union holds $2.77B in assets across 137,505 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1950. Charter number 6775, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.77B |
|---|---|
| Total loans | $2.23B |
| Total shares (deposits) | $2.22B |
| Net worth | $282.0M |
| Members | 137,505 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 25.8% | |
|---|---|---|
| Loans | 26.5% | higher than 99% of its peer group |
| Deposits | 24.8% | higher than 99% of its peer group |
| Members | 16.7% | higher than 100% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 100.2% | higher than 93% of its peer group |
|---|---|---|
| Net worth ratio | 10.2% | around the 40th percentile of its peer group |
| Return on assets | 1.38% | around the 88th percentile of its peer group |
| Delinquency ratio | 0.43% | around the 31st percentile of its peer group |
| Cash / assets | 4.7% | around the 16th percentile of its peer group |
| Borrowings / assets | 8.7% | around the 88th percentile of its peer group |
What this page does not show
Everything above is Y-12 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Tennessee Valley Credit Union
Chattanooga, TN
$3.19B · 178,561 members
- Leaders Credit Union
Jackson, TN
$1.31B · 90,743 members
- Orion Credit Union
Memphis, TN
$1.30B · 69,342 members
- Enrichment Credit Union
OAK RIDGE, TN
$972.5M · 48,359 members
- Fortera Credit Union
Clarksville, TN
$938.9M · 83,977 members
- First South Financial Credit Union
Bartlett, TN
$834.5M · 71,340 members
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