BlastPoint's Credit Union Scorecard

ORNL

Charter #5797 · TN

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 3 in TN

View Mid-Market leaderboard →

ORNL has 8 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

+ Relationship Depth Leader: Top 31.5% in tier
+ Wallet Share Momentum: Top 31.5% in tier
+ 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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 3 that size in Tennessee.
Shares and deposits +10.7% year over year ($4.02B in shares and deposits).
Membership: 234,790 members, +5.7% vs a year ago.
Delinquency rate 0.62%.
Return on assets 1.17%.
Efficiency ratio 60.81% vs a 69.45% peer average.
Loan-to-share ratio 98.83% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

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

Want to see an example first? Preview Navy Federal's scorecard →

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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (9 metrics)

Total Assets

balance_sheet

Value: $4.97B

Peer Median: $3.97B

#2 of 77 Top 1.3% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.97B

Peer Median: $2.91B

#2 of 77 Top 1.3% in 3B-5B tier

Total Deposits

balance_sheet

Value: $4.02B

Peer Median: $3.34B

#6 of 77 Top 6.5% in 3B-5B tier

Asset Growth Rate

growth

Value: 14.16%

Peer Median: 5.91%

#10 of 77 Top 11.7% in 3B-5B tier

Deposit Growth Rate

growth

Value: 10.65%

Peer Median: 5.62%

#13 of 77 Top 15.6% in 3B-5B tier

Loan Growth Rate

growth

Value: 12.44%

Peer Median: 6.20%

#15 of 77 Top 18.2% in 3B-5B tier

Efficiency Ratio

profitability

Value: 60.81%

Peer Median: 68.32%

#17 of 77 Top 20.8% in 3B-5B tier

Member Growth Rate

growth

Value: 5.67%

Peer Median: 3.08%

#19 of 77 Top 23.4% in 3B-5B tier

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)

Indirect Auto Concentration (%)

balance_sheet

Value: 38.52%

Peer Median: 18.00%

#69 of 77 Bottom 11.7% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 43.00%

Peer Median: 32.92%

#60 of 77 Bottom 23.4% in 3B-5B tier