Federal credit union · Oak Ridge, Tennessee · NCUA charter #5797
ORNL
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $4.71B
- Total assets
- 225,794
- Members
- 11.0%
- Net-worth ratio
ORNL scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.71B; members 225,794; net-worth ratio 11.02%; health rank #529 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#529 of 4,374 health · 2025Q4ORNL · health 94/100 · $4.71B · 2025Q4
- ASSETS 94/100
- MEM 11.0%
- RANK 0.68%
- PHOTO 0.93%
- BOOK $4.71B
- CHARTER 225,794
- NCUSIF #529/4,374
- CAMELS RALLY
- HEALTH 5797
Call Report peers
ORNL in the assets neighbourhood
ORNL's $4.71B assets sit next to RALLY ($4.71B) 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.
ORNL 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
94 Top 13% higher than 87% 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
ORNL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5797, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
ORNL vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 95.79% vs peer 83.90% (+11.89 pp).
- Net Worth Ratio trails the peer set - 11.02% here, 11.18% peer average (-0.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ORNL sits in Tennessee
- Health composite ranks #19 of 127 among scored Tennessee credit unions.
- Assets rank #3 of 127 inside Tennessee ($4.71B reported).
- Tennessee membership ordinal: #4 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.
Quarter path for ORNL
ORNL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $4.71B (2025Q4) to $4.81B (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.01% → 11.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 12.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.02% | -0.16 pp |
| Delinquency Rate | 0.68% | -0.19 pp |
| Return on Assets | 0.93% | +0.43 pp |
| Member Growth | 3.74% | - |
| Loan-to-Share Ratio | 95.79% | +11.89 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).
ORNL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.81B | - |
| 2025Q4 | $4.71B | 225,794 |
| 2024Q4 | $4.18B | 217,657 |
| 2023Q4 | $3.65B | 199,965 |
Credit Union Details
- Charter Number
- 5797
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Oak Ridge
- Data Quarter
- 2025Q4
Branch Locations (32)
ORNL operates 32 offices across 17 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Oak Ridge (Main Office) | Oak Ridge, TN |
| Alcoa | Alcoa, TN |
| Athens | Athens, TN |
| Clinton | Clinton, TN |
| Decatur | Decatur, TN |
| Farragut | Farragut, TN |
| Kingston | Kingston, TN |
| North Knoxville | Knoxville, TN |
| Karns | Knoxville, TN |
| Halls | Knoxville, TN |
| Fountain City | Knoxville, TN |
| West Knoxville | Knoxville, TN |
| East Knox | Knoxville, TN |
| Millertown Pike | Knoxville, TN |
| South Knox | Knoxville, TN |
| Middlebrook | Knoxville, TN |
| Northshore | Knoxville, TN |
| Bearden | Knoxville, TN |
| LaFollette | La Follette, TN |
| Lenoir City | Lenoir City, TN |
| Loudon | Loudon, TN |
| Madisonville | Madisonville, TN |
| Maryville | Maryville, TN |
| Maynardville Food City | Maynardville, TN |
| Morristown Central | Morristown, TN |
| Morristown East | Morristown, TN |
| Morristown West | Morristown, TN |
| Newport | Newport, TN |
| Lab | Oak Ridge, TN |
| Oak Ridge West | Oak Ridge, TN |
| Oak Ridge Main Branch | Oak Ridge, TN |
| Sevierville | Sevierville, 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.
Nationwide credit unions with similar profiles
ORNL's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.71B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- ORNL ranks #529 of 4,374 nationally on financial health and #19 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ASCEND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ASCEND
- 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 ORNL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ORNL carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #529 of 4,374; by total assets it ranks #97 of 4,374 nationally (same basis as /rankings/largest); and #3 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.02% net worth ratio and a 0.68% delinquency rate.
How does ORNL compare to other credit unions?
On PlainCU's health composite, ORNL lands at 94/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 ORNL?
ORNL 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 ORNL directly for the exact boundaries and application steps.
Is my money safe at ORNL?
Federal credit unions like ORNL 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. ORNL's net worth ratio of 11.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ORNL offer compared to banks?
Credit unions like ORNL 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 ORNL 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.