Ornl Federal Credit Union
Total assets
$4.81B
▲ +12.2% YoY
Shares & deposits
$3.94B
▲ +9.6% YoY
Loans
$3.83B
▲ +10.1% YoY
Members
229,975
▲ +4.6% YoY
ROA (annualized)
0.97%
peers 0.71%
ROE (annualized)
8.83%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +5.1% | +7.0 pts |
| Share growth (YoY) | +9.6% | +4.9% | +4.7 pts |
| Loan growth (YoY) | +10.1% | +5.4% | +4.7 pts |
| ROA | 0.97% | 0.71% | +0.3 pts |
| ROE | 8.8% | 6.3% | +2.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 365, Oak Ridge, TN, 37831
- NCUA charter #
- 5797
- RSSD ID
- 825379
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.81B | $3.94B | $3.83B | $530.5M | $11.7M | 0.97% | 3.46% | 0.43% | 229,975 |
| Q4 2025 | $4.71B | $3.89B | $3.72B | $518.7M | $56.7M | 1.20% | 3.23% | 0.68% | 225,794 |
| Q3 2025 | $4.54B | $3.70B | $3.64B | $508.0M | $45.9M | 1.35% | 3.27% | 0.58% | 225,234 |
| Q2 2025 | $4.36B | $3.63B | $3.53B | $491.9M | $29.8M | 1.37% | 3.31% | 0.56% | 222,190 |
| Q1 2025 | $4.29B | $3.59B | $3.48B | $473.6M | $11.5M | 1.07% | 3.24% | 0.42% | 219,935 |
| Q4 2024 | $4.18B | $3.52B | $3.45B | $462.1M | $44.0M | 1.05% | 2.89% | 0.68% | 217,657 |
| Q3 2024 | $4.06B | $3.41B | $3.39B | $453.5M | $35.4M | 1.16% | 2.88% | 0.44% | 219,109 |
| Q2 2024 | $4.03B | $3.40B | $3.27B | $435.7M | $17.6M | 0.87% | 2.66% | 0.36% | 216,383 |
Loan mix (Q1 2026): real estate $1.89B · commercial $152.6M · consumer $1.68B · securities $473.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.71% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 6.3% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 73.0% | 19th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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