BlastPoint's Credit Union Scorecard

ORION

Charter #24831 · TN

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 3 in TN
View Mid-Market leaderboard →

ORION has 5 strengths but faces 6 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

  • + Organic Growth Leader: Top 46.3% in tier
  • + Organic Growth Engine: Top 46.3% in tier
  • + Share Certificate Concentration (%): Top 1.6% in tier
  • + Net Worth Ratio: Top 2.9% in tier
  • + Loan-to-Share Ratio: Top 2.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.4% in tier
  • - Efficiency Drag: Bottom 6.5% in tier
  • - Credit Risk Growth: Bottom 38.9% in tier
  • - Credit Quality Pressure: Bottom 42.4% in tier
  • - ROA 0.59% below tier average
  • - Efficiency ratio 13.24% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 69,342
+2.5% YoY+1.7% QoQ
 -26.7K 96,048
-2.7% YoY
 21,412
+3.7% YoY
 33,913
+5.7% YoY
 26%
Assets $1.3B
+3.6% YoY+1.3% QoQ
 $-420.2M $1.7B
+0.4% YoY
 $379.6M
+8.7% YoY
 $578.3M
+9.0% YoY
 30%
Loans $1.1B
+7.2% YoY+0.2% QoQ
 $-127.6M $1.2B
+0.2% YoY
 $279.0M
+7.7% YoY
 $402.4M
+8.7% YoY
 49%
Deposits $1.0B
+4.1% YoY+1.3% QoQ
 $-432.1M $1.5B
+0.5% YoY
 $319.1M
+8.0% YoY
 $494.3M
+9.1% YoY
 22%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.1%
-42.1% YoY-34.6% QoQ
 -0.6% 0.7%
+27.6% YoY
 0.6%
-5.0% YoY
 0.4%
-39.2% YoY
 Bottom 7.8% in tier
NIM 3.2%
-2.6% YoY-1.7% QoQ
 -0.1% 3.4%
+6.2% YoY
 3.9%
+5.1% YoY
 3.8%
+4.1% YoY
 40%
Efficiency Ratio 87.9%
+1.0% YoY+3.2% QoQ
 +13.2% 74.6%
-3.0% YoY
 79.6%
+1.7% YoY
 84.6%
+2.8% YoY
 Bottom 7.2% in tier
Delinquency Rate 0.6%
+11.2% YoY-42.2% QoQ
 -0.2 0.8%
+6.9% YoY
 0.9%
-14.5% YoY
 1.2%
+3.4% YoY
 43%
Loan To Share 105.1%
+3.0% YoY-1.2% QoQ
 +21.9% 83.2%
-0.4% YoY
 68.3%
-1.5% YoY
 65.6%
-1.4% YoY
 Top 3.3% in tier
AMR $30,567
+3.1% YoY-0.9% QoQ
 +$915 $29,652
+2.3% YoY
 $18,957
+3.0% YoY
 $19,920
+1.6% YoY
 62%
CD Concentration 8.5%
-20.0% YoY-2.8% QoQ
 -20.4% 28.8% 22.3% 19.8% Bottom 1.8% in tier
Indirect Auto % 8.6%
-11.1% YoY+15.6% QoQ
 -9.5% 18.1% 6.8% 7.7% 35%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#78 of 116 • Top 46.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.45%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 8.57%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#112 of 115 • Top 46.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.45%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.13%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 8.57%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (4)

Liquidity Strain

risk
#14 of 148 • Bottom 4.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.10%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 7.20%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Efficiency Drag

risk
#15 of 100 • Bottom 6.5% in tier

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

Why This Signature
Efficiency Ratio: 87.87%
(Tier: 73.98%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.09% points
(Tier: 0.14% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 2.45%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
100 of 384 Mid-Market CUs have this signature | 702 nationally
↓ Shrinking -38 CUs YoY | Rank improving

Credit Risk Growth

risk
#116 of 183 • Bottom 38.9% in tier

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

Why This Signature
Loan Growth (YoY): 7.20%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk
#161 of 225 • Bottom 42.4% 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: 0.12% points)
but better than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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 306 peers in tier

Top Strengths (4 metrics)

6
Share Certificate Concentration (%)
balance_sheet
Value: 8.46%
Peer Median: 27.93%
#6 of 306 Top 1.6% in 1B-3B tier
10
Net Worth Ratio
risk
Value: 18.42%
Peer Median: 10.85%
#10 of 306 Top 2.9% in 1B-3B tier
10
Loan-to-Share Ratio
balance_sheet
Value: 105.10%
Peer Median: 85.31%
#10 of 306 Top 2.9% in 1B-3B tier
62
Loan-to-Member Ratio (LMR)
engagement
Value: $15,664
Peer Median: $12,733
#62 of 306 Top 19.9% in 1B-3B tier

Top Weaknesses (3 metrics)

285
Efficiency Ratio
profitability
Value: 87.87%
Peer Median: 75.16%
#285 of 306 Bottom 7.2% in 1B-3B tier
282
Return on Assets (ROA)
profitability
Value: 0.13%
Peer Median: 0.66%
#282 of 306 Bottom 8.2% in 1B-3B tier
237
Total Deposits
balance_sheet
Value: $1.03B
Peer Median: $1.31B
#237 of 306 Bottom 22.9% in 1B-3B tier
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