ORNL

Charter #5797 | TN

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in TN

ORNL has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.9% in tier
  • + Organic Growth Engine: Top 13.8% in tier
  • + Wallet Share Momentum: Top 15.7% in tier
  • + ROA 0.63% above tier average
  • + Net Interest Margin 0.14% above tier average
  • + Efficiency Ratio: Top 3.9% in tier
  • + Total Loans: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.6% in tier
  • - Growth-at-Risk: Bottom 11.9% in tier
  • - Credit Quality Pressure: Bottom 13.1% in tier
  • - Liquidity Strain: Bottom 13.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 225,234
+2.8% YoY+1.4% QoQ
 -13.2K 238,465
+0.6% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 53rd in tier
Assets $4.5B
+11.8% YoY+4.3% QoQ
 +$573.9M $4.0B
-0.1% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 18.4% in tier
Loans $3.6B
+7.3% YoY+2.9% QoQ
 +$619.9M $3.0B
+3.3% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 10.5% in tier
Deposits $3.7B
+8.7% YoY+1.9% QoQ
 +$370.5M $3.3B
+1.1% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 21.1% in tier
ROA 1.4%
+17.9% YoY-0.1% QoQ
 +0.6% 0.7%
+5.3% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 10.5% in tier
NIM 3.3%
+15.7% YoY+0.3% QoQ
 +0.1% 3.2%
+13.7% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 57.5%
-7.3% YoY-1.2% QoQ
 -13.8% 71.3%
-0.6% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 3.9% in tier
Delinquency Rate 0.6%
+30.7% YoY+4.0% QoQ
 -0.3 0.8%
+15.9% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 49th in tier
Loan To Share 98.3%
-1.2% YoY+1.0% QoQ
 +7.4% 90.8%
+2.0% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 67th in tier
AMR $32,600
+5.1% YoY+1.0% QoQ
 +$4K $29,088
+0.1% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 Top 25.0% in tier
CD Concentration 39.0%
+6.2% YoY+1.8% QoQ
 +10.0% 29.0%
+0.8% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 Top 14.0% in tier
Indirect Auto % 34.2%
+8.3% YoY+4.6% QoQ
 +15.4% 18.8%
-2.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 Top 18.5% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#58 of 264 • Top 7.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.08%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#101 of 246 • Top 13.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.80%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.38%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 34.23%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#114 of 264 • Top 15.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.08%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#17 of 202 • Bottom 2.6% in tier

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

Why This Signature
Asset Growth (YoY): 11.82%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 34.23%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.80%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Growth-at-Risk

risk
#67 of 161 • Bottom 11.9% in tier

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

Why This Signature
Loan Growth (YoY): 7.34%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#101 of 217 • Bottom 13.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk
#71 of 183 • Bottom 13.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.25%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.34%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 76 peers in tier

Top Strengths (8 metrics)

4
Efficiency Ratio
profitability
Value: 57.51%
Peer Avg: 71.26%
#4 of 76 Top 3.9% in 3B-5B tier
8
Return on Assets (ROA)
profitability
Value: 1.38%
Peer Avg: 0.75%
#8 of 76 Top 9.2% in 3B-5B tier
8
Total Loans
balance_sheet
Value: $3.64B
Peer Avg: $3.02B
#8 of 76 Top 9.2% in 3B-5B tier
10
Asset Growth Rate
growth
Value: 11.82%
Peer Avg: 7.42%
#10 of 76 Top 11.8% in 3B-5B tier
14
Total Assets
balance_sheet
Value: $4.54B
Peer Avg: $3.97B
#14 of 76 Top 17.1% in 3B-5B tier
16
Total Deposits
balance_sheet
Value: $3.70B
Peer Avg: $3.33B
#16 of 76 Top 19.7% in 3B-5B tier
18
Loan-to-Member Ratio (LMR)
engagement
Value: $16,156
Peer Avg: $13,761
#18 of 76 Top 22.4% in 3B-5B tier
19
Average Member Relationship (AMR)
engagement
Value: $32,600
Peer Avg: $29,088
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (3 metrics)

61
Indirect Auto Concentration (%)
balance_sheet
Value: 34.23%
Peer Avg: 20.57%
#61 of 76 Bottom 21.1% in 3B-5B tier
60
First Mortgage Concentration (%)
balance_sheet
Value: 46.16%
Peer Avg: 34.35%
#60 of 76 Bottom 22.4% in 3B-5B tier
59
Share Certificate Concentration (%)
balance_sheet
Value: 39.02%
Peer Avg: 30.70%
#59 of 76 Bottom 23.7% in 3B-5B tier