ORNL Federal Credit Union Oak Ridge, Tennessee
ORNL Federal Credit Union is a federal credit union headquartered in Oak Ridge, TN, established in 1948 (NCUA charter 5797), and it is regulated and insured by the NCUA. At Q2 2026 it reported 234,790 members and total assets of $4.97B (up 14.2% from Q2 2025), the 3rd largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 11.01% at Q2 2026, in the well capitalized band.
Also written as ORNL FCU
BankRegReports is independent of ORNL Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5797
- Headquarters
- Oak Ridge, TN
- Established
- 1948
- Total assets, Q2 2026
- $4.97B
- Assets vs Q2 2025
- +14.2%
- Members, Q2 2026
- 234,790
- Net worth ratio, Q2 2026
- 11.01%
- Latest call report
- Q2 2026, NCUA 5300 · ORNL Federal Credit Union call report
- Asset rank in state
- 3rd of 123 in Tennessee
- Routing number
- 264281416
- Branches
- 32
It has 12,600 more members than on June 30, 2025 (+5.7%). Its net worth ratio was down 0.28 percentage points from 11.29% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.91B of $3.97B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.62% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.01% net worth ratio is above that band's 10.89% median.
Credit unions merged into ORNL Federal Credit Union
Lowland Credit Union (2024) · Mid East Tennessee Community Credit Union (2020)
Frequently asked about ORNL Federal Credit Union
How big is ORNL Federal Credit Union?
At Q2 2026 it reported total assets of $4.97B and 234,790 members.
Where is ORNL Federal Credit Union headquartered?
It is headquartered in Oak Ridge, TN, United States.
When was ORNL Federal Credit Union founded?
It was established in 1948, per NCUA records.
Is ORNL Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5797): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates ORNL Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is ORNL Federal Credit Union well capitalized?
Its net worth ratio was 11.01% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is ORNL Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.62% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is ORNL Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 98.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oak Ridge, TN 37830
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 5797
- RSSD ID
- 825379
- Members
- 234,790
- Potential members
- 1,448,299
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.01% | 10.89% | 52nd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.36% | 0.89% | 79th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.32% | 8.07% | 83rd top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.62% | 3.45% | 63rd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 58.32% | 70.59% | 86th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.81% | 1.68% | 40th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.62% | 0.68% | 56th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.43% | 5.12% | 73rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 98.83% | 88.03% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.97B total assets against $4.36B; $4.02B total shares and deposits against $3.63B; $3.97B total loans against $3.53B.
$547.3M net worth against $491.9M.
11.01% net worth ratio against 11.29%.
98.83% loan-to-share ratio against 97.26%.
0.62% delinquency ratio against 0.56%.
1.36% return on assets against 1.68%; 12.32% return on equity against 14.88%.
3.62% net interest margin against 3.42%.
234,790 members against 222,190.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.01% | 1.36% | 0.62% | 98.83% |
| March 31, 2026 | 11.02% | 0.97% | 0.43% | 97.30% |
| December 31, 2025 | 11.01% | 0.91% | 0.68% | 95.79% |
| September 30, 2025 | 11.18% | 1.42% | 0.58% | 98.25% |
| June 30, 2025 | 11.29% | 1.68% | 0.56% | 97.26% |
| March 31, 2025 | 11.04% | 1.07% | 0.42% | 96.81% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.