TellerScore

Orion Federal Credit Union (NCUA charter #24831) is based in Memphis, Tennessee. Its Q2 2026 call report shows $1.3B in total assets and $1.0B in member shares and deposits and 11 offices.

Based on its Q2 2026 filing, Orion Federal Credit Union scores 72/100, which we describe as strong. That is higher than 66% of 454 credit unions with $1 billion – $10 billion. Among 125 credit unions headquartered in Tennessee, it ranks 69th. Its strongest component is capital cushion (100/100; 18.42%), and its lowest is earnings (24/100; 0.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.42%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings24/100
Return on assets (annualized): 0.10%
Funding & liquidity50/100
Loans ÷ shares: 110.6% · 10.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (74 → 72), mostly because the funding & liquidity component weakened by 7 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202474
Q4 202469
Q1 202575
Q2 202574
Q3 202574
Q4 202570
Q1 202673
Q2 202672
Net worth ratio
7.00%13.40%19.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.40%
Q3 202419.80%
Q4 202419.53%
Q1 202519.09%
Q2 202518.80%
Q3 202518.70%
Q4 202518.62%
Q1 202618.42%
Q2 202618.42%
Delinquent loans (60+ days)
0.50%0.74%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20240.62%
Q4 20240.91%
Q1 20250.50%
Q2 20250.60%
Q3 20250.55%
Q4 20250.97%
Q1 20260.56%
Q2 20260.55%
Return on assets
0.05%0.15%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.24%
Q4 20240.05%
Q1 20250.22%
Q2 20250.21%
Q3 20250.20%
Q4 20250.19%
Q1 20260.13%
Q2 20260.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.3B18.42%0.55%0.10%110.6%
Q1 202673$1.3B18.42%0.56%0.13%105.1%
Q4 202570$1.3B18.62%0.97%0.19%106.3%
Q3 202574$1.3B18.70%0.55%0.20%103.4%
Q2 202574$1.3B18.80%0.60%0.21%103.2%
Q1 202575$1.3B19.09%0.50%0.22%102.1%
Q4 202469$1.2B19.53%0.91%0.05%105.3%
Q3 202474$1.2B19.80%0.62%0.24%103.1%
Q2 202472$1.2B19.40%0.81%0.20%100.7%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.42%
98th
Problem loans0.55%
65th
Net charge-offs0.51%
50th
Return on assets0.10%
4th
Loans to deposits110.6%
2nd
Uninsured deposits10.7%
35th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
76th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Leaders Credit UnionCredit union Jackson, TN69 out of 100, Moderate$1.4B10.7%0.64%vs
Y-12 Federal Credit UnionCredit union Oak Ridge, TN70 out of 100, Strong$2.8B10.5%0.52%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
Ornl Federal Credit UnionCredit union Oak Ridge, TN69 out of 100, Moderate$5.0B11.0%0.62%vs
Knoxville TVA Employees Credit UnionCredit union Knoxville, TN73 out of 100, Strong$5.3B11.2%0.34%vs

Deposit insurance

Is my money safe at Orion Federal Credit Union?

Yes. Orion Federal Credit Union is a federally insured credit union (NCUA charter #24831). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.7% of shares and deposits ($110.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 18.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Orion Federal Credit Union lists 11 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Orion Federal Credit Union reported 445 home-loan applications under HMDA (LEI 254900U2ZPLWQTSD3158): 339 originated ($188,875,000 total), 17 denied, and 89 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Orion Federal Credit Union
Type
Federal credit union
NCUA charter #
24831
RSSD ID
493497
Primary regulator
NCUA
Established
1957
Headquarters
400 Monroe Ave, Memphis, TN 38103
Employees
201

Quick answers

Orion Federal Credit Union: common questions

Is Orion Federal Credit Union NCUA insured?

Yes. Orion Federal Credit Union is a federally insured credit union (NCUA charter #24831). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Orion Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Orion Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
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First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
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