BlastPoint's Credit Union Scorecard
ORNL
Charter #5797 · TN
ORNL has 7 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 Engine: Top 31.3% in tier
- + Relationship Depth Leader: Top 46.9% in tier
- + Wallet Share Momentum: Top 94.3% in tier
- + ROA 0.51% above tier average
- + Net Interest Margin 0.15% above tier average
- + Total Loans: Top 3.9% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.3% in tier
- - Liquidity Strain: Bottom 44.2% in tier
- - Credit Risk Growth: Bottom 84.0% in tier
- - Credit Quality Pressure: Bottom 99.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
225,794
+3.7% YoY+0.2% QoQ
|
-4.6K |
230,353
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$4.7B
+12.8% YoY+3.7% QoQ
|
+$771.5M |
$3.9B
+0.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.5% in tier |
| Loans |
$3.7B
+8.0% YoY+2.3% QoQ
|
+$786.8M |
$2.9B
-0.2% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 5.3% in tier |
| Deposits |
$3.9B
+10.3% YoY+4.9% QoQ
|
+$574.6M |
$3.3B
-0.3% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.2%
+14.8% YoY-11.1% QoQ
|
+0.5% |
0.7%
+16.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 14.5% in tier |
| NIM |
3.3%
+12.3% YoY-1.7% QoQ
|
+0.1% |
3.1%
+9.8% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
59.9%
-4.0% YoY+4.1% QoQ
|
-11.5% |
71.4%
-1.4% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate |
0.7%
+0.5% YoY+17.0% QoQ
|
-0.2 |
0.9%
+5.8% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
95.8%
-2.1% YoY-2.5% QoQ
|
+6.9% |
88.9%
-0.2% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$33,692
+5.3% YoY+3.3% QoQ
|
+$4K |
$29,682
+1.5% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
38.8%
+2.8% YoY-0.6% QoQ
|
+9.7% | 29.0% | 22.4% | 19.8% | Top 14.1% in tier |
| Indirect Auto % |
35.2%
+9.9% YoY+3.0% QoQ
|
+16.9% | 18.3% | 6.7% | 7.8% | 84% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)