BlastPoint's Credit Union Scorecard
ORNL
Charter #5797 · TN
ORNL has 8 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 13.8% in tier
- + Profitability Leader: Top 34.0% in tier
- + Relationship Depth Leader: Top 48.5% in tier
- + Wallet Share Momentum: Top 98.3% 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
- - Credit Risk Growth: 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
|
53% |
| 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
|
82% |
| 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
|
79% |
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| 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
|
57% |
| 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
|
49% |
| 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
|
67% |
| 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
|
75% |
| CD Concentration |
39.0%
+6.2% YoY+1.8% QoQ
|
+10.1% |
29.0%
+0.7% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
Top 13.9% in tier |
| Indirect Auto % |
34.2%
+8.3% YoY+4.6% QoQ
|
+15.5% |
18.8%
-3.0% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
82% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)