# ORNL
Oak Ridge, TN · NCUA charter 5797 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ornl-5797

Who the members are: federal charter, community charter, organized 1948, low-income designated. 229,975 members of 1,448,299 potential (15.9% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.81B |
| Members | 229,975 (4.6% YoY) |
| Full-time staff | 575 |
| Net worth | $530.5M |
| Net worth ratio | 11.0% (p58 of band) |
| ROA (annualized) | 0.97% (p73 of band) |
| Total delinquency | 0.43% (p31 of band) |
| Net charge-offs (annualized) | 0.94% (p83 of band) |
| Loans / shares | 97% (p84 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 6.13% |
| Net interest margin | 3.46% (p60 of band) |
| Operating expense / assets | 2.79% (p28 of band) |
| Vehicles % of loans | 41% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 90% |
| Third-party paper % of net worth | 287% (p83 of band) |
| Vehicle delinquency | 0.44% (p32 of band) |
| Vehicle NCO | 2.08% (p86 of band) |
| Repossessed % of vehicle book | 0.12% (p65 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 38% |
| Average share balance | $7,813 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $59.8M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $34,368 |
| Loans granted, annualized | $990.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $59.8M outstanding purchased (11.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.6% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | delinquency 2x band, loans>95% of shares |  |
| 2016-09 | 3 |  | loans>95% of shares |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 3 |  | delinquency 2x band |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 3 | loans>95% of shares | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | net worth falling, margin squeeze |  |
| 2020-06 | 4 | delinquency 2x band | loans>95% of shares, margin squeeze |
| 2020-09 | 2 |  | leaning on borrowings, delinquency 2x band |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | delinquency 2x band | net worth falling |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | members leaving | delinquency 2x band |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | loans>95% of shares |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 | net worth falling | delinquency rising |
| 2025-06 | 3 | delinquency rising | net worth falling |
| 2025-09 | 3 | leaning on borrowings | delinquency rising |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 3 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-23 [ORNL Credit Union coming to Jefferson City - The Standard Banner](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOFF1QWxVYmloeGI2V0hVc1A2LXdkZmJDWmVRcm41RVpjUWxuTDM0eE1pelNWNnFVSnZva3diazJreVBnMzdGYWdMVHJnaXFBdHM3dzRMOXFEWjBBenRXY0daeXNycWhIQ25GRG9kMzhfcEh3SlhUSG9xX3N4Q0xxSld6czZZT01lQ1YxamRyS3lyYjZ0dUVUcWpxcUpUdkgwRXc?oc=5) · The Standard Banner
- 2026-04-29 [Free Summer Sessions concert series begins Saturday in Oak Ridge - Oak Ridger](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOTXlkRWZqeTR0cGdUek50NHRrMjN3eWZRZlVIQ01JTnNtQWdTN2x4SXlNY1JIN2VPdU9pbWRzTWxOX0NFV2ctdW9ULXhuckpJLUoteEY1SVdjaFl1RzhpODFCd1Rja1JMb19UMXY2UGJoRV9ueDRhTWVfQmI0TDl0SU00VndTWlVIZ2tMN0RwRlAzZjk3aGxPR05TMW9KdGIybXNDbDBpa3k2Rm1UVFFXQ2l3a1c4c0lwNkZyUTZUOWRPYllEOFlvdGtlaGIzLTRXcF95al9BdHNHdTQ?oc=5) · Oak Ridger
- 2024-11-07 [Tennessee Smokies Announce Partnership with ORNL Federal Credit Union as Luxury Level Club and Home Plate Club Sponsor - MLB.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNSUh2ejQyNHBrR0NUNzQwcldWd2VVTzUwdW9WamliSzFYOVFZd19feElNajJobFJTSnVaaEFJc1FmN3FEM3JLSGlxRG40eFBhakYxbWtVbEpiVWIwbjhRT3V4UnVYdnU0OGVPeTFqV3FKQWMwR0tzckZYUnJPcXl4cWhQYXBpRHlZOEh3RFVkZ0Z3NzZzZE5LY2VnbXpsczJ0a1hTQWRFRjVBRjd2TFFYbnZWV1VUeWVsN2hnczZSel9QeXAtaGhwSUlXbVhQYXZYX05QMUJNRnRER2dOalc5U3dINWdBVS1CY3c?oc=5) · MLB.com
- 2025-12-25 [Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxNeFNnYS15bVo5MklHeWVxUjdFSUxLVUdObF80Zk9RWW5PT2FBd0VBWkJiU3loUmpqY28yUkkxWVlkR1czc0JYclJuajZCdEFLeVRFd19zWnlWZU1ETEZucU02RnItTm5kTVBCU1ZiSUFpWHpObGZZeWRCOXlQeU8wdW9RcW9mM3NjenZDYnRQOGE?oc=5) · Newsweek Rankings
- 2024-12-07 [ORNL Federal Credit Union to build new branch in Newport - The Newport Plain Talk](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVFdxOUtjeHR3aVNSOThGYUxJYkNCanIxbXJTYnFTWVpVaWlWYTlzSnJQZURMWldFM2hWUjloRERUTEhEcHl3X3lnUWM3TFB0cGN5bDU3SXE5RWIzbXVnYm9jTElIOFJRWTc3YzNZalA0TFl2d1o5emY3SlpaMHExTU8wTUY4V2NKV25iOWVST2c?oc=5) · The Newport Plain Talk
- 2022-06-21 [New President of 7 Mortgage Announced - National Mortgage Professional](https://news.google.com/rss/articles/CBMihwFBVV95cUxPTmljNDhQeUt2VDZ1N0QtUnNFSml6c1lfSFQtZ3RVbkhkZDhPNFBqUGRBR1BCQXpYcEtFRmwtNjh0dHpCS045eHluQlNPNVl6SXRVaG1zOHhWbmdDZ2JfeUx0RDB4WW9rWW5fN0w4bHlyQ2E5cnNidDFLcVJqZm5Gb2hWSWhFTm8?oc=5) · National Mortgage Professional
- 2025-06-10 [Kim DiBello-Heintz Appointed as Chief Human Resources Officer at ORNL Federal Credit Union - hrtoday.in](https://news.google.com/rss/articles/CBMirwFBVV95cUxOX2g4cHBMQzUtTnVNODZjR1A4TmhFVlVsNG50aUhNWEpSR2ZfM2ZSbFBxTmttRDFOaFpOVVpmZ0hSZjNDd18wNHNOYTRVdGc3cnAycEZyc2dZbFRnbEpmU1Y1NzVvaGszNV9DbDJOY3ppWG9zVW5tQXoydTNSSDhoQk00dGhTNUV2QkNMNlZmTUMxZE9RMEtCVzFCeG1Hd3JGNFBXZkZQRC1lWW9DQWpF?oc=5) · hrtoday.in
- 2022-04-19 [KPD: Suspects broke into ATMs at Magnolia Ave. credit union, fled in stolen truck early Sunday - WBIR](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQQlhnTUFsbGlMMGdrTExKMWR1d080T3pqc0VmQXFGR004bkRyS1hLVmlIVC1UUlRpTElPUldsTFc1am5DYlB5ZUFDSDVaN21NeklYb2wwV1VVUWt1bnVTRTBMRGU2YWVndXU1MXpMR1gxNkNUM1NIdU8td0h1TzJuVnRUdU8zUnk3UU1FbGFkOTMwWFJ0LTNkSTZkNkxnbU5IZFRyQzI3OGt5Z0JJaVo0bXJzZmR1Mlc1bFhrRXRUdEVrY1FWQUhnTUo0QW5OeVktbWVXR29Wa0U5WFk?oc=5) · WBIR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5797 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "5797", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5797
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide