ORION

Charter #24831 | TN

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in TN

ORION has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.9% in tier
  • + Wallet Share Momentum: Top 12.0% in tier
  • + Emerging Performer: Top 30.8% in tier
  • + Net Interest Margin 0.01% above tier average
  • + Share Certificate Concentration (%): Top 1.3% in tier
  • + Net Worth Ratio: Top 3.0% in tier
  • + Loan-to-Share Ratio: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.9% in tier
  • - Liquidity Strain: Bottom 7.8% in tier
  • - Liquidity Overhang: Bottom 15.6% in tier
  • - ROA 0.51% below tier average
  • - Efficiency ratio 12.19% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 67,877
+0.3% YoY-0.0% QoQ
 -30.8K 98,678
-1.9% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Bottom 22.7% in tier
Assets $1.3B
+5.0% YoY+0.8% QoQ
 $-432.2M $1.7B
+0.5% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $1.1B
+6.4% YoY+1.1% QoQ
 $-174.8M $1.2B
+0.5% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 45th in tier
Deposits $1.0B
+6.1% YoY+0.8% QoQ
 $-431.0M $1.5B
+1.3% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Bottom 21.1% in tier
ROA 0.2%
-16.5% YoY-7.7% QoQ
 -0.5% 0.7%
+13.4% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Bottom 8.2% in tier
NIM 3.3%
-6.0% YoY-0.2% QoQ
 +0.0% 3.3%
+9.3% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 51st in tier
Efficiency Ratio 86.2%
+5.0% YoY-2.0% QoQ
 +12.2% 74.0%
-10.9% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Top 6.6% in tier
Delinquency Rate 0.6%
-11.0% YoY-7.6% QoQ
 -0.3 0.8%
+6.1% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 103.4%
+0.3% YoY+0.2% QoQ
 +18.2% 85.2%
-0.8% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 8.6% in tier
AMR $30,666
+5.9% YoY+1.0% QoQ
 +$1K $29,172
+2.8% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 66th in tier
CD Concentration 9.6%
-13.3% YoY-7.1% QoQ
 -19.4% 29.0%
+0.8% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 Bottom 1.6% in tier
Indirect Auto % 8.2%
-24.6% YoY-8.9% QoQ
 -10.6% 18.8%
-2.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 31st in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#29 of 264 • Top 3.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.94%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#88 of 264 • Top 12.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.94%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#164 of 184 • Top 30.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.20%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.27%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk
#4 of 96 • Bottom 0.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.17%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.04% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.27%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk
#42 of 183 • Bottom 7.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 103.41%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.38%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Liquidity Overhang

risk
#51 of 113 • Bottom 15.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 18.70%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 103.41%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

5
Share Certificate Concentration (%)
balance_sheet
Value: 9.61%
Peer Avg: 28.53%
#5 of 304 Top 1.3% in 1B-3B tier
10
Net Worth Ratio
risk
Value: 18.70%
Peer Avg: 11.44%
#10 of 304 Top 3.0% in 1B-3B tier
26
Loan-to-Share Ratio
balance_sheet
Value: 103.41%
Peer Avg: 85.19%
#26 of 304 Top 8.2% in 1B-3B tier
61
Loan-to-Member Ratio (LMR)
engagement
Value: $15,590
Peer Avg: $13,213
#61 of 304 Top 19.7% in 1B-3B tier
73
AMR Growth Rate
growth
Value: 5.94%
Peer Avg: 3.29%
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (4 metrics)

285
Efficiency Ratio
profitability
Value: 86.17%
Peer Avg: 73.97%
#285 of 304 Bottom 6.6% in 1B-3B tier
279
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Avg: 0.70%
#279 of 304 Bottom 8.6% in 1B-3B tier
240
Total Deposits
balance_sheet
Value: $1.02B
Peer Avg: $1.45B
#240 of 304 Bottom 21.4% in 1B-3B tier
235
Total Members
engagement
Value: 67,877
Peer Avg: 98,678
#235 of 304 Bottom 23.0% in 1B-3B tier