Credit Union Safety Analysis
Is Orion Federal Credit Union Safe? Memphis, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Orion Federal Credit Union has a net worth ratio of 18.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Orion Federal Credit Union's net worth ratio is 18.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.42%
- Delinquency ratio (60+ days) (Q2 2026): 0.55%
- Return on assets (Q2 2026): 0.08%
- Loan-to-share ratio (Q2 2026): 110.58%
Orion Federal Credit Union (NCUA charter 24831, established 1957) reported $1.30B in assets and 70,670 members for Q2 2026 from Memphis, Tennessee. It ranks 8 of 123 credit unions in Tennessee by total assets. Total assets grew 1.8% from $1.28B on June 30, 2025. It has 2,766 more members than on June 30, 2025 (+4.1%). Its net worth ratio was down 0.38 percentage points from 18.80% on June 30, 2025. Commercial loans are its largest loan category, $458.0M of $1.14B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 18.42% for Q1 2026; 18.80% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.56% for Q1 2026; 0.60% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.13% for Q1 2026; 0.21% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 105.10% for Q1 2026; 103.19% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $458.0M
- 1- to 4-family residential and other consumer real estate loans: $359.3M
- Used vehicle loans: $187.5M
- Other secured non-real estate loans and lines of credit: $70.4M
- New vehicle loans: $37.2M
- Other unsecured loans and lines of credit: $28.4M
- Unsecured credit card loans: $2.2M
- Non-federally guaranteed student loans: $8K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.30B | 18.42% | 0.55% | 0.08% | 110.58% |
| March 31, 2026 | $1.30B | 18.42% | 0.56% | 0.13% | 105.10% |
| December 31, 2025 | $1.28B | 18.62% | 0.97% | 0.19% | 106.33% |
| September 30, 2025 | $1.29B | 18.70% | 0.55% | 0.17% | 103.41% |
| June 30, 2025 | $1.28B | 18.80% | 0.60% | 0.21% | 103.19% |
| March 31, 2025 | $1.25B | 19.09% | 0.50% | 0.22% | 102.08% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Orion Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24831) · FFIEC NIC profile (RSSD 493497)
Frequently asked questions
Is Orion Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Orion Federal Credit Union's net worth ratio is 18.42%, above the 7% NCUA threshold for well capitalized.
Is Orion Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Orion Federal Credit Union is a federally insured credit union (NCUA charter 24831): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Orion Federal Credit Union's key safety ratios?
For Q2 2026, Orion Federal Credit Union reports net worth 18.42%, delinquency 0.55%, ROA 0.08%, loan-to-share 110.58%.
What happens to my money if Orion Federal Credit Union fails?
For Q2 2026, Orion Federal Credit Union held $1.03B in shares and deposits for 70,670 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.