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
Call Report peers
ORION in the assets neighbourhood
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ORION vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ORION sits in 75-79 with 502 others.
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
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).
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.
- One place up in Tennessee, Dixie Line (#96) scores 76/100, 1 point higher; one place down, Southeast Financial (#98) scores 74/100, 1 point lower.
ORION: 2025Q4 → 2026Q1
ORION: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $1.28B (2025Q4) to $1.30B (2026Q1).
- Net-worth ratio shifted -0.20 pp (18.62% → 18.42%).
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
ORION gives up 25 points in total. Return on Assets costs the most, 8.3 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ORION financially healthy?
ORION has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,240 of 4,374 nationally on health and #97 of 127 in Tennessee. Its net worth ratio is 18.42% and its delinquency rate 0.97%.
How does ORION compare to other credit unions?
ORION scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (106.33% vs 83.90%). Its widest shortfall is return on assets (0.05% vs 0.51%).
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?
ORION is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.