Sep, 30, 2025 — Y-12 FEDERAL CREDIT UNION is a federal credit union headquartered in OAK RIDGE, TN with 24 branch locations and about $2.72 billion in total assets. Opened 76 years ago in 1950, Y-12 FEDERAL CREDIT UNION has about 137,291 members and employs 436 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | Y-12 FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 501 Lafayette Dr OAK RIDGE, TN 37830-7909 |
| Phone: | (865) 482-1043 |
| Fax: | (865) 220-8424 |
| Website: | https://www.y12fcu.org |
| Branches: | 24 branch locations |
| Members: | 137,291 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6775 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,721,104,619 |
| CEO/Manager: | Dustin K Millaway |
| Chairperson: | David Rupert |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 87,226,584 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,376,822,485 |
| Unsecured Loans | 111,061,952 |
| Other Loans | 709,067,152 |
| TOTAL LOANS | 2,197,263,047 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -24,324,496 |
| Land And Building | 26,032,585 |
| Other Fixed Assets | 10,446,325 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 17,842,755 |
| All Other Assets | 880,310 |
| TOTAL ASSETS | 2,721,104,619 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,597,535 |
| Notes & Interest Payable | 305,000,000 |
| Accounts Payable & Other Liabilities | 41,946,230 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 496,832,314 |
| Regular shares | 501,237,992 |
| All Other Shares & Deposits | 1,117,946,924 |
| TOTAL SHARES & DEPOSITS | 2,116,017,230 |
| TOTAL LIABILITIES | 2,464,560,995 |
| Regular Reserve | 0 |
| Other Reserves | -10,380,678 |
| Undivided Earnings | 266,924,302 |
| TOTAL EQUITY | 256,543,624 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,721,104,619 |
| INCOME & EXPENSE | |
| Loan Income | 87,471,684 |
| Investment Income | 9,680,629 |
| Other Income | 9,507,044 |
| Total Employee Compensation & Benefits | 30,073,442 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 24,985,698 |
| Non-operating Income & (Expense) | -3,668,842 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 13,428,800 |
| Cost of Funds | 33,577,015 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 20,327,626 |
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