Federal credit union · Memphis, Tennessee · NCUA charter #24831
Orion
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $1.28B
- Total assets
- 68,213
- Members
- 10.2%
- Net-worth ratio
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.
Orion - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)81
- Earnings (ROA)45
- Member growth63
- Liquidity (loan-to-share)54
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.23% | 30% |
| Delinquency Rate | 0.97% | 25% |
| Return on Assets | 0.05% | 15% |
| Member Growth | 0.40% | 15% |
| Loan-to-Share Ratio | 106.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Orion
The five-factor composite scores Orion at 75/100 (Very Good), reflecting a net worth ratio of 10.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Memphis, Tennessee, reports 68,213 members, $1.28B in total assets, and $1.08B in outstanding loans as of Q4 2025 under charter #24831 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.97% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 106.33% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.05% on net income of $641K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.40%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Orion financially healthy?
A 10.23% 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. 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 10.23% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.