Ornl

Oak Ridge, TN · 1 · Charter #5797 · www.ornlfcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.7B
83th percentile
Members
225,794
78th percentile
Total loans
$3.7B
87th percentile
Total shares
$3.8B
82th percentile

Profitability

Return on assets
1.38%
77th percentile
Net interest margin
3.23%
51th percentile
Efficiency ratio
41.53%
85th percentile
Non-interest income ratio
17.51%
42th percentile

Capital & Risk

Net worth ratio
11.01%
56th percentile
Delinquency rate
0.68%
56th percentile
Net charge-off rate
0.48%
53th percentile
Loan-to-share
97.29%
73th percentile

Growth

Member growth YoY
3.74%
65th percentile
Asset growth YoY
12.79%
90th percentile
Loan growth YoY
8.02%
68th percentile
Share growth YoY
8.65%
73th percentile

Operations

Members / branch
7,284
46th percentile
Assets / member
$20,872
72th percentile
Field of membership penetration
15.76%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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