BlastPoint's Credit Union Scorecard
ORION
Charter #24831 · TN
ORION has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 29.0% in tier
- + Organic Growth Engine: Top 29.0% in tier
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 1.7% in tier
- + Net Worth Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.1% in tier
- - Efficiency Drag: Bottom 3.2% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 16.29% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Tennessee.
- Shares and deposits +1.9% year over year ($1.03B in shares and deposits).
- Membership: 70,670 members, +4.1% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.10%.
- Efficiency ratio 89.31% vs a 73.02% peer average.
- Loan-to-share ratio 110.58% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,670
+4.1% YoY+1.9% QoQ
|
-26.2K |
96,861
-1.9% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$1.3B
+1.8% YoY+0.1% QoQ
|
$-423.3M |
$1.7B
+0.4% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$1.1B
+9.2% YoY+5.2% QoQ
|
$-91.1M |
$1.2B
+0.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$1.0B
+1.9% YoY+0.0% QoQ
|
$-429.6M |
$1.5B
+0.5% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.1%
-51.7% YoY-18.6% QoQ
|
-0.7% |
0.8%
+27.6% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.0% in tier |
| NIM |
3.3%
+0.6% YoY+2.2% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
89.3%
+1.6% YoY+1.6% QoQ
|
+16.3% |
73.0%
-2.7% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.6%
-7.2% YoY-1.3% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
110.6%
+7.2% YoY+5.2% QoQ
|
+25.9% |
84.7%
+0.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 1.7% in tier |
| AMR |
$30,804
+1.4% YoY+0.8% QoQ
|
+$1K |
$29,575
+1.5% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
7.9%
-23.6% YoY-6.6% QoQ
|
-21.2% | 29.1% | 22.4% | 20.0% | Bottom 1.9% in tier |
| Indirect Auto % |
11.3%
+24.6% YoY+31.6% QoQ
|
-6.8% | 18.1% | 6.8% | 7.7% | 40% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)