BlastPoint's Credit Union Scorecard

ORION

Charter #24831 · TN

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 3 in TN

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ORION has 5 strengths but faces 8 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 77.9% 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 3.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 7.9% in tier
- Liquidity Strain: Bottom 10.3% in tier
- Credit Risk Growth: Bottom 71.8% in tier
- Liquidity Overhang: Bottom 75.0% in tier
- Credit Quality Pressure: Bottom 76.2% in tier
- ROA 0.49% below tier average
- Efficiency ratio 11.10% above tier (higher cost structure)
- Delinquency rate 0.07% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	68,213 +0.4% YoY+0.5% QoQ	-29.2K	97,431 -2.4% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	25%
Assets	$1.3B +5.0% YoY-0.3% QoQ	$-439.9M	$1.7B +0.9% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	29%
Loans	$1.1B +7.0% YoY+2.5% QoQ	$-150.0M	$1.2B +0.5% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	46%
Deposits	$1.0B +6.0% YoY-0.3% QoQ	$-439.4M	$1.5B +0.9% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	20%

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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% +271.4% YoY-1.8% QoQ	-0.5%	0.7% +20.9% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	Bottom 10.3% in tier
NIM	3.3% -5.9% YoY+0.4% QoQ	+0.0%	3.3% +9.2% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	50%
Efficiency Ratio	85.2% +4.6% YoY-1.2% QoQ	+11.1%	74.1% -9.5% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	Top 8.6% in tier
Delinquency Rate	1.0% +6.8% YoY+75.8% QoQ	+0.1	0.9% +6.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	67%
Loan To Share	106.3% +1.0% YoY+2.8% QoQ	+21.5%	84.8% -0.8% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 3.3% in tier
AMR	$30,849 +6.1% YoY+0.6% QoQ	+$1K	$29,428 +2.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	65%
CD Concentration	8.7% -18.3% YoY-9.4% QoQ	-20.3%	29.0%	22.4%	19.8%	Bottom 1.6% in tier
Indirect Auto %	7.4% -26.7% YoY-10.0% QoQ	-10.9%	18.3%	6.7%	7.8%	31%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#96 of 123 • Top 77.9% in tier

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

Why This Signature

AMR Growth (YoY): 6.10%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#8 of 90 • Bottom 7.9% in tier

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

Why This Signature

Efficiency Ratio: 85.16%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.12% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Liquidity Strain

risk

#18 of 166 • Bottom 10.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 106.33%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.05%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Credit Risk Growth

risk

#118 of 164 • Bottom 71.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.05%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Liquidity Overhang

risk

#13 of 17 • Bottom 75.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.62%

(Tier: 11.27%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 106.33%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

17 of 378 Mid-Market CUs have this signature | 155 nationally

→ Stable (16→17 CUs) +1 CUs YoY

Credit Quality Pressure

risk

#161 of 211 • Bottom 76.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

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 302 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 8.71%

Peer Median: -

#5 of 302 Top 1.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 18.62%

Peer Median: -

#10 of 302 Top 3.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 106.33%

Peer Median: -

#10 of 302 Top 3.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,897

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

Top Weaknesses (3 metrics)

277

Efficiency Ratio

profitability

Value: 85.16%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

271

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier

240

Total Deposits

balance_sheet

Value: $1.02B

Peer Median: -

#240 of 302 Bottom 20.9% in 1B-3B tier