BlastPoint's Credit Union Scorecard

ORION

Charter #24831 · TN

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in TN

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ORION has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 75.7% 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 87.5% 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	23%
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	30%
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	45%
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	21%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	51%
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	36%
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	66%
CD Concentration	9.6% -13.3% YoY-7.1% QoQ	-19.4%	29.0% +0.7% 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	-10.5%	18.8% -3.0% YoY	6.9% +1.1% YoY	7.9% -2.9% YoY	31%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#88 of 116 • Top 75.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.94%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

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: 73.43%, 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: 86.32%, 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

#15 of 17 • Bottom 87.5% 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: 86.32%, National: 67.96%)

but better than tier avg

17 of 380 Mid-Market CUs have this signature | 155 nationally

→ Stable (17→17 CUs) | 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 9.61%

Peer Avg: -

#5 of 304 Top 1.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 18.70%

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.41%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,590

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 5.94%

Peer Avg: -

#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (4 metrics)

285

Efficiency Ratio

profitability

Value: 86.17%

Peer Avg: -

#285 of 304 Bottom 6.6% in 1B-3B tier

279

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier

240

Total Deposits

balance_sheet

Value: $1.02B

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier

235

Total Members

engagement

Value: 67,877

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier