BlastPoint's Credit Union Scorecard

ORNL

Charter #5797 · TN

Mid-Market 3B-5B

ORNL FCU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

ORNL FCU is one of 101 credit unions in the 2026 VentureTech card set. We also found ORNL FCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
ORNL FCU
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77 CUs in 3B-5B nationally 3 in TN
View Mid-Market leaderboard →

ORNL has 6 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

  • + ROA 0.24% above tier average
  • + Net Interest Margin 0.31% above tier average
  • + Strong member growth: 5.7% YoY
  • + Total Assets: Top 1.3% in tier
  • + Total Loans: Top 1.3% in tier
  • + Total Deposits: Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 8.3% in tier
  • - Credit Risk Growth: Bottom 15.6% in tier
  • - Liquidity Strain: Bottom 19.7% in tier
  • - Margin Compression: Bottom 21.1% in tier
  • - Credit Quality Pressure: Bottom 42.5% in tier
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 234,790
+5.7% YoY+2.1% QoQ
 +18.2K 216,545
-9.5% YoY
 22,058
+4.8% YoY
 34,678
+6.6% YoY
 62%
Assets $5.0B
+14.2% YoY+3.3% QoQ
 +$1.1B $3.9B
-1.6% YoY
 $390.3M
+9.5% YoY
 $593.1M
+10.2% YoY
 Top 2.6% in tier
Loans $4.0B
+12.4% YoY+3.7% QoQ
 +$1.0B $2.9B
-1.2% YoY
 $289.3M
+8.5% YoY
 $418.6M
+10.1% YoY
 Top 2.6% in tier
Deposits $4.0B
+10.7% YoY+2.1% QoQ
 +$764.4M $3.3B
-2.6% YoY
 $326.4M
+8.9% YoY
 $504.8M
+10.3% YoY
 Top 7.8% in tier

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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 1.2%
-15.3% YoY+20.0% QoQ
 +0.2% 0.9%
+25.3% YoY
 1.1%
+46.9% YoY
 1.2%
+121.4% YoY
 73%
NIM 3.5%
+6.3% YoY+2.4% QoQ
 +0.3% 3.2%
+3.8% YoY
 3.9%
+2.1% YoY
 3.8%
+2.3% YoY
 69%
Efficiency Ratio 60.8%
+4.4% YoY-4.5% QoQ
 -8.6% 69.5%
-2.3% YoY
 78.9%
+2.6% YoY
 83.0%
-5.3% YoY
 21%
Delinquency Rate 0.6%
+11.5% YoY+44.5% QoQ
 -0.2 0.8%
+5.5% YoY
 1.1%
-1.7% YoY
 1.3%
+2.6% YoY
 48%
Loan To Share 98.8%
+1.6% YoY+1.6% QoQ
 +8.6% 90.2%
+0.9% YoY
 68.7%
-1.7% YoY
 66.4%
-1.4% YoY
 69%
AMR $34,057
+5.5% YoY+0.8% QoQ
 +$3K $31,018
+6.9% YoY
 $19,228
+3.5% YoY
 $20,028
-0.9% YoY
 73%
CD Concentration 38.2%
-0.5% YoY+0.7% QoQ
 +9.1% 29.1% 22.4% 20.0% Top 14.1% in tier
Indirect Auto % 38.5%
+17.7% YoY+4.5% QoQ
 +20.4% 18.1% 6.8% 7.7% Bottom 11.7% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#32 of 69 • Top 31.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 5.55%
(Tier: 3.62%, National: 35.20%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $3.2K, National: $2.1K)
better than tier avg
69 of 377 Mid-Market CUs have this signature | 354 nationally
↑ Growing +9 CUs YoY

Wallet Share Momentum

growth
#117 of 125 • Top 31.5% in tier

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

Why This Signature
AMR Growth (YoY): 5.55%
(Tier: 3.62%, National: 35.20%)
better than tier avg
125 of 377 Mid-Market CUs have this signature | 635 nationally
↑ Growing +22 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#20 of 193 • Bottom 8.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 14.16%
(Tier: 6.52%, National: 3.30%)
but better than tier avg
Indirect Auto %: 38.52%
(Tier: 18.08%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 5.67%
(Tier: 3.16%, National: 15.67%)
but better than tier avg
193 of 377 Mid-Market CUs have this signature | 714 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Margin Compression

decline
#3 of 20 • Bottom 21.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.17%
(Tier: 0.84%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 1.38%
(Tier: 0.66%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.18% points, National: 0.47% points)
worse than tier avg
20 of 377 Mid-Market CUs have this signature | 167 nationally
→ Stable (22→20 CUs) -2 CUs YoY | New qualifier

Liquidity Strain

risk
#41 of 168 • Bottom 19.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.83%
(Tier: 85.94%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 12.44%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
168 of 377 Mid-Market CUs have this signature | 432 nationally
→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk
#69 of 170 • Bottom 15.6% in tier

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

Why This Signature
Loan Growth (YoY): 12.44%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
170 of 377 Mid-Market CUs have this signature | 688 nationally
→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#158 of 215 • Bottom 42.5% 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: 0.08% points)
worse than tier avg
215 of 377 Mid-Market CUs have this signature | 962 nationally
↓ Shrinking -28 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 77 peers in tier

Top Strengths (9 metrics)

2
Total Assets
balance_sheet
Value: $4.97B
Peer Median: $3.97B
#2 of 77 Top 1.3% in 3B-5B tier
2
Total Loans
balance_sheet
Value: $3.97B
Peer Median: $2.91B
#2 of 77 Top 1.3% in 3B-5B tier
6
Total Deposits
balance_sheet
Value: $4.02B
Peer Median: $3.34B
#6 of 77 Top 6.5% in 3B-5B tier
10
Asset Growth Rate
growth
Value: 14.16%
Peer Median: 5.91%
#10 of 77 Top 11.7% in 3B-5B tier
13
Deposit Growth Rate
growth
Value: 10.65%
Peer Median: 5.62%
#13 of 77 Top 15.6% in 3B-5B tier
15
Loan Growth Rate
growth
Value: 12.44%
Peer Median: 6.20%
#15 of 77 Top 18.2% in 3B-5B tier
17
Efficiency Ratio
profitability
Value: 60.81%
Peer Median: 68.32%
#17 of 77 Top 20.8% in 3B-5B tier
19
Member Growth Rate
growth
Value: 5.67%
Peer Median: 3.08%
#19 of 77 Top 23.4% in 3B-5B tier
20
Loan-to-Member Ratio (LMR)
engagement
Value: $16,928
Peer Median: $13,282
#20 of 77 Top 24.7% in 3B-5B tier

Top Weaknesses (2 metrics)

69
Indirect Auto Concentration (%)
balance_sheet
Value: 38.52%
Peer Median: 18.00%
#69 of 77 Bottom 11.7% in 3B-5B tier
60
First Mortgage Concentration (%)
balance_sheet
Value: 43.00%
Peer Median: 32.92%
#60 of 77 Bottom 23.4% in 3B-5B tier
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