Federal credit union · Memphis, Tennessee · NCUA charter #24831
ORION
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $1.28B
- Total assets
- 68,213
- Members
- 18.4%
- Net-worth ratio
ORION scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.28B; members 68,213; net-worth ratio 18.42%; health rank #3,240 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,240 of 4,374 health · 2025Q4ORION · health 75/100 · $1.28B · 2025Q4
- DELQ 75/100
- ROA 18.4%
- ASSETS 0.97%
- MEM 0.05%
- RANK $1.28B
- PHOTO 68,213
- BOOK #3,240/4,374
- CHARTER Notre Dame
- NCUSIF 24831
Call Report peers
ORION in the assets neighbourhood
ORION's $1.28B assets sit next to Notre Dame ($1.28B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ORION vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ORION - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24831, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where ORION diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 106.33% here, 83.90% peer average (+22.43 pp).
- Largest lag: Return on Assets at 0.05% vs peer 0.51% (-0.46 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for ORION
- Health composite ranks #97 of 127 among scored Tennessee credit unions.
- Assets rank #8 of 127 inside Tennessee ($1.28B reported).
- Tennessee membership ordinal: #11 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ORION: 2025Q4 → 2026Q1
ORION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $1.28B (2025Q4) to $1.30B (2026Q1).
- Net-worth ratio shifted -0.20 pp (18.62% → 18.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 6.7 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 8.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.42% | +7.24 pp |
| Delinquency Rate | 0.97% | +0.10 pp |
| Return on Assets | 0.05% | -0.46 pp |
| Member Growth | 0.40% | - |
| Loan-to-Share Ratio | 106.33% | +22.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
ORION quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.30B | - |
| 2025Q4 | $1.28B | 68,213 |
| 2024Q4 | $1.22B | 67,939 |
| 2023Q4 | $1.24B | 69,112 |
Credit Union Details
- Charter Number
- 24831
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, ORION runs 12 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| ADMINISTRATION (Main Office) | Memphis, TN |
| Kate Bond | Bartlett, TN |
| Collerville | Collierville, TN |
| Germantown | Cordova, TN |
| Little Rock | Little Rock, AR |
| Whitehaven | Memphis, TN |
| Raleigh | Memphis, TN |
| American Way | Memphis, TN |
| Mid Town | Memphis, TN |
| White Station | Memphis, TN |
| Hacks Cross | Memphis, TN |
| Medical District Branch | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Other-state peers near ORION
Cross-state asset and health neighbours for ORION - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.28B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- ORION ranks #3,240 of 4,374 nationally on financial health and #97 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Leaders Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Leaders Credit Union
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ORION financially healthy?
A 18.42% net worth ratio and a 0.97% delinquency rate feed into ORION's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,240 of 4,374; by total assets it ranks #380 of 4,374 nationally (same basis as /rankings/largest); and #8 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ORION compare to other credit unions?
ORION scores 75/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ORION?
ORION operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ORION directly for the exact boundaries and application steps.
Is my money safe at ORION?
Federal credit unions like ORION are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ORION's net worth ratio of 18.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ORION offer compared to banks?
Credit unions like ORION are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ORION directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.