Unverified listing What this means
The Lender Report built this page from public records. Y-12 Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Y-12 Credit Union itself. Each figure shows its source and date. Work at Y-12 Credit Union? You can claim this page for free.
Credit union, Oak Ridge, TN
Y-12 Credit Union
A credit union based in Oak Ridge, TN. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $592M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 65
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.76B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 865-482-1043 From the NCUA record, June 30, 2026.
- Website
- www.y12fcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- y12fcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Y-12; Y 12 FEDERAL CREDIT UNION; Y-12 Federal Credit UnionNCUA 5300,
- Address
- 501 Lafayette Drive, Oak Ridge, TN 37831NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Y-12 Credit Union originated 31 multifamily loans in 2025, versus 7 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 57.6% to $295M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 16.6% to $160.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 135.4% to $71.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Knox County, TN | Purchase, 50 to 99 units | $8.2M | 7.2% | 5 yr | 73% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $3.2M | 6.95% | 10 yr | 70% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $3M | 6.95% | 10 yr | 71% | HMDA 2025 |
| 2025 | Johnson City, TN | Purchase, 25 to 49 units | $3M | 6.2% | 5 yr | 80% | HMDA 2025 |
| 2025 | Roane County, TN | Purchase, 25 to 49 units | $2.5M | 6.55% | 10 yr | 74% | HMDA 2025 |
| 2025 | Blount County, TN | Refinance, 5 to 24 units | $2.3M | 6.5% | 15 yr | 75% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $2.3M | 6% | 15 yr | 75% | HMDA 2025 |
| 2025 | Laurel County, KY | Purchase, 25 to 49 units | $2M | 6.75% | 15 yr | 83% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $2M | 6.95% | 10 yr | 68% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 25 to 49 units | $2M | 6.95% | 10 yr | 70% | HMDA 2025 |
| 2025 | Blount County, TN | Purchase, 5 to 24 units | $1.9M | 6.9% | 15 yr | 80% | HMDA 2025 |
| 2025 | Blount County, TN | Purchase, 5 to 24 units | $1.4M | 6.5% | 5 yr | 78% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $1.2M | 6.25% | 5 yr | 70% | HMDA 2025 |
| 2025 | Sevier County, TN | Cash-out refinance, 5 to 24 units | $1.2M | 6.06% | 5 yr | 47% | HMDA 2025 |
| 2025 | Anderson County, TN | Cash-out refinance, 5 to 24 units | $1.1M | 6.25% | 5 yr | 80% | HMDA 2025 |
| 2025 | Bradley County, TN | Purchase, 5 to 24 units | $1.1M | 6.7% | 15 yr | 80% | HMDA 2025 |
| 2025 | Hamilton County, TN | Purchase, 5 to 24 units | $1M | 6.48% | 5 yr | 62% | HMDA 2025 |
| 2025 | Sullivan County, TN | Purchase, 5 to 24 units | $1M | 6.2% | 5 yr | 80% | HMDA 2025 |
| 2025 | Knox County, TN | Cash-out refinance, 5 to 24 units | $1M | 6.35% | 5 yr | 61% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $760K | 6.5% | 5 yr | 42% | HMDA 2025 |
| 2025 | Blount County, TN | Cash-out refinance, 5 to 24 units | $740K | 6.64% | 15 yr | 68% | HMDA 2025 |
| 2025 | Washington County, TN | Purchase, 5 to 24 units | $560K | 6.7% | 5 yr | 80% | HMDA 2025 |
| 2025 | Knox County, TN | Purchase, 5 to 24 units | $560K | 6.62% | 5 yr | 50% | HMDA 2025 |
| 2025 | Sevier County, TN | Refinance, 5 to 24 units | $520K | 6.83% | 15 yr | 43% | HMDA 2025 |
| 2025 | Knox County, TN | Improvement, 25 to 49 units | $500K | 8% | 5 yr | 57% | HMDA 2025 |
| 31 multifamily loans made in 2025 | $46.9M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $160M | 7.1% | +16.6% | 379 | $423K |
| Construction and land development | $28.4M | 1.3% | +307.9% | 36 | $790K |
| Owner-occupied CRE | $71.3M | 3.2% | +135.4% | 150 | $475K |
| Non-owner-occupied CRE | $295M | 13.1% | +57.6% | 525 | $562K |
| Farmland | $3.73M | 0.2% | Not reported | 14 | $266K |
| Commercial and industrial | $33.4M | 1.5% | +245.5% | 198 | $169K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $592M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $352M |
| Q4 2023 | $350M |
| Q1 2024 | $347M |
| Q2 2024 | $349M |
| Q3 2024 | $355M |
| Q4 2024 | $362M |
| Q1 2025 | $369M |
| Q2 2025 | $372M |
| Q3 2025 | $591M |
| Q4 2025 | $590M |
| Q1 2026 | $583M |
| Q2 2026 | $592M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 31 | $46.9M | $1.06M | $8.2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 7 | $14.1M | $1.21M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 65 | $15.9M | $205K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 65 | $43.4M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 21 | $10.5M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $6.7M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 8 | $7.78M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 33 | $17.6M | NCUA 5300, | ||
| C&I | First half of 2026 | 18 | $4.54M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Construction and land development | $790K |
| Multifamily | $423K |
| Owner-occupied CRE | $475K |
| Non-owner-occupied CRE | $562K |
| Farmland | $266K |
| Commercial and industrial | $169K |
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2022-01-12.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Tennessee HQ | 18 | 29 | 58 | 0 | 0 |
| Kentucky | 7 | 2 | 6 | 0 | 0 |
| Florida | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Knox County, TN | 11 | $17.3M |
| Washington County, TN | 5 | $10.7M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Knoxville, TN | 21 | $38.0M |
| Johnson City, TN | 6 | $13.7M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $338M | $121M to $1.25B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $457M | $18.9M to $935M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 135.1% | 11.0% to 270.0% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $43.6M | $18.0M to $227M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 166.3% | 8.2% to 189.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 81.7% | 72.8% to 87.9% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Tennessee Valley Credit Union | TN | $3.26B | $302M |
| ORNL Credit Union | TN | $4.97B | $149M |
| Leaders Credit Union | TN | $1.41B | $17.4M |
| Orion Credit Union | TN | $1.30B | $458M |
| Ascend Credit Union | TN | $4.85B | $345M |
| Knoxville Tva Employees Credit Union | TN | $5.32B | $445M |
| Eastman Credit Union | TN | $10.2B | $913M |
| Enrichment Credit Union | TN | $984M | $101M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Y-12 Credit Union, NCUA charter 6775. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.76B in total assets and $592M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 65 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 103 loans in the HMDA file, in 2024 and 2025: 31 HMDA multifamily 2025, 7 HMDA multifamily 2024, 65 HMDA 1-4 unit investor 2025. [How each file was tied to Y-12 Credit Union]
- Phone and website. Phone 865-482-1043, from the NCUA record. Website y12fcu.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 6775
- RSSD
- 940786
- LEI
- 5493004NO7XCFVG4KD53
- The Lender Report ID
- lr_000665
- Main office county
- Anderson
- Members
- 140,903
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $2.8B in total assets as of June 30, 2026 (NCUA 5300).
- Held $592.4M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $295M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 57.6% from a year earlier (NCUA 5300).
- Held $160.4M of multifamily loans as of June 30, 2026, up 16.6% from a year earlier (NCUA 5300).
- Held $71.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 135.4% from a year earlier (NCUA 5300).
- Originated 31 multifamily loans totaling $46.9M in 2025 (HMDA).
6 more sentences
- Originated 7 multifamily loans totaling $14.1M in 2024 (HMDA).
- Originated 65 1-4 unit investor or business-purpose loans totaling $15.9M in 2025 (HMDA).
- Originated 65 real-estate-secured commercial loans totaling $43.4M in the first half of 2026 (NCUA 5300).
- Held $34.2M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 25 offices in 2 states (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Y-12 Credit Union, https://lender.report/lender/y-12-credit-union-tn/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Y-12 Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem