TellerScore

Headquartered in Oak Ridge, Tennessee, Ornl Federal Credit Union is a federal credit union with $5.0B in total assets and $4.0B in member shares and deposits as of Q2 2026. It operates 25 offices. Its charter dates back to 1948.

Based on its Q2 2026 filing, Ornl Federal Credit Union scores 69/100, which we describe as moderate. That is higher than 54% of 454 credit unions with $1 billion – $10 billion. Among 125 credit unions headquartered in Tennessee, it ranks 82nd. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (60/100; 11.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.01%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity61/100
Loans ÷ shares: 98.8% · 9.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.86%

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 4 points (73 → 69), mostly because the earnings component weakened by 9 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202472
Q4 202468
Q1 202571
Q2 202573
Q3 202572
Q4 202569
Q1 202670
Q2 202669
Net worth ratio
7.00%9.14%11.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.82%
Q3 202411.16%
Q4 202411.06%
Q1 202511.04%
Q2 202511.29%
Q3 202511.18%
Q4 202511.01%
Q1 202611.02%
Q2 202611.01%
Delinquent loans (60+ days)
0.36%0.52%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.44%
Q4 20240.68%
Q1 20250.42%
Q2 20250.56%
Q3 20250.58%
Q4 20250.68%
Q1 20260.43%
Q2 20260.62%
Return on assets
0.87%1.12%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20241.16%
Q4 20241.05%
Q1 20251.07%
Q2 20251.37%
Q3 20251.35%
Q4 20251.20%
Q1 20260.97%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$5.0B11.01%0.62%1.15%98.8%
Q1 202670$4.8B11.02%0.43%0.97%97.3%
Q4 202569$4.7B11.01%0.68%1.20%95.8%
Q3 202572$4.5B11.18%0.58%1.35%98.3%
Q2 202573$4.4B11.29%0.56%1.37%97.3%
Q1 202571$4.3B11.04%0.42%1.07%96.8%
Q4 202468$4.2B11.06%0.68%1.05%97.9%
Q3 202472$4.1B11.16%0.44%1.16%99.5%
Q2 202469$4.0B10.82%0.36%0.87%96.2%

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 ratio11.01%
53rd
Problem loans0.62%
56th
Net charge-offs0.73%
28th
Return on assets1.15%
77th
Loans to deposits98.8%
18th
Uninsured deposits9.7%
45th
Loan-loss reserves0.00%
50th
Texas ratio4.9%
49th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
Knoxville TVA Employees Credit UnionCredit union Knoxville, TN73 out of 100, Strong$5.3B11.2%0.34%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Y-12 Federal Credit UnionCredit union Oak Ridge, TN70 out of 100, Strong$2.8B10.5%0.52%vs
Leaders Credit UnionCredit union Jackson, TN69 out of 100, Moderate$1.4B10.7%0.64%vs
Orion Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$1.3B18.4%0.55%vs

Deposit insurance

Is my money safe at Ornl Federal Credit Union?

Yes. Ornl Federal Credit Union is a federally insured credit union (NCUA charter #5797). 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 9.7% of shares and deposits ($388.5M) 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 11.01%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

25 locations

Branches

Ornl Federal Credit Union lists 25 offices in 15 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ornl Federal Credit Union
Type
Federal credit union
NCUA charter #
5797
RSSD ID
825379
Primary regulator
NCUA
Established
1948
Headquarters
P.O. Box 365, Oak Ridge, TN 37831
Employees
631

Quick answers

Ornl Federal Credit Union: common questions

Is Ornl Federal Credit Union NCUA insured?

Yes. Ornl Federal Credit Union is a federally insured credit union (NCUA charter #5797). 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 Ornl Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Ornl Federal Credit Union have?

25 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oak Ridge

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs