BlastPoint's Credit Union Scorecard
ORNL
Charter #5797 · TN
ORNL has 6 strengths but faces 5 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
- + Relationship Depth Leader: Top 32.6% in tier
- + Wallet Share Momentum: Top 32.6% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.25% above tier average
- + Total Loans: Top 3.8% in tier
- + Total Assets: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.1% in tier
- - Liquidity Strain: Bottom 17.2% in tier
- - Credit Risk Growth: Bottom 23.7% in tier
- - Margin Compression: Bottom 25.6% in tier
- - Credit Quality Pressure: Bottom 56.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
229,975
+4.6% YoY+1.9% QoQ
|
+9.5K |
220,435
-7.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$4.8B
+12.2% YoY+2.1% QoQ
|
+$897.0M |
$3.9B
-1.5% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 6.4% in tier |
| Loans |
$3.8B
+10.1% YoY+2.9% QoQ
|
+$938.7M |
$2.9B
-1.1% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 5.1% in tier |
| Deposits |
$3.9B
+9.6% YoY+1.3% QoQ
|
+$640.0M |
$3.3B
-2.5% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 12.8% in tier |
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| ROA |
1.0%
-10.3% YoY-20.5% QoQ
|
+0.2% |
0.7%
+10.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
3.5%
+5.3% YoY+5.3% QoQ
|
+0.3% |
3.2%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
63.7%
+3.5% YoY+6.4% QoQ
|
-7.6% |
71.3%
-2.6% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
0.4%
+2.5% YoY-36.6% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
97.3%
+0.5% YoY+1.6% QoQ
|
+9.3% |
88.0%
+0.9% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$33,785
+5.0% YoY+0.3% QoQ
|
+$3K |
$30,672
+5.5% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration |
37.9%
+2.6% YoY-2.3% QoQ
|
+9.1% | 28.8% | 22.3% | 19.8% | Top 13.8% in tier |
| Indirect Auto % |
36.9%
+14.3% YoY+4.6% QoQ
|
+18.8% | 18.1% | 6.8% | 7.7% | Bottom 13.6% in tier |
Signature Analysis
Strengths (2)
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 (5)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)