Credit union
ORNL Federal Credit Union
Oak Ridge, Tennessee, Anderson County, TN
$5.0B in total assets and 234,790 members, the 94th largest of 4,298 US credit unions and 3rd of 125 headquartered in Tennessee.
- NCUA charter
- 5797
- Charter
- Federal
- Chartered
- 1948
- NCUA insured since
- 1971
- Field of membership
- Community credit unions
- Low-income designation
- Yes
- Website
- https://www.ornlfcu.com
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.0B | 85% | $2.1B | |
| Loans | $4.0B | 89% | $1.5B | |
| Deposits (shares) | $4.0B | 84% | $1.8B | |
| Members | 234,790 | 80% | 117,912 | |
| Return on assets | 1.18% | 78% | 0.82% | |
| Net interest income to assets | 3.58% | 60% | 3.42% | |
| Efficiency ratio | 60.8% | 16% | 71.8% | |
| Net worth ratio | 11.01% | 53% | 10.86% | |
| Loans to shares | 99% | 82% | 88% | |
| Cost of deposits | 1.83% | 54% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 10.9% a year over 10 years and 11.0% a year over the last 5, including 2 mergers in the last 10 years. Membership grew 2.1% a year over 5 years, to 234,790.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| May 2024 | Lowland Credit Union Credit union, Morristown, TN | $143M |
| Jul 2020 | Mid East Tennessee Community Credit Union Credit union, Decatur, TN | $10M |
Where they operate
32 branches in 13 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Knox County, TN | 12 | 5.9% | 4 of 50 |
| Anderson County, TN | 4 | 13.8% | 1 of 17 |
| Hamblen County, TN | 3 | 13.0% | 1 of 13 |
| Blount County, TN | 2 | 4.8% | 5 of 23 |
| Loudon County, TN | 2 | 11.8% | 2 of 11 |
| Roane County, TN | 2 | 13.3% | 1 of 10 |
| Campbell County, TN | 1 | 6.7% | 5 of 10 |
| Cocke County, TN | 1 | 11.1% | 4 of 6 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 32 | |
| 2017 | 32 | 0 |
| 2018 | 30 | −2 |
| 2019 | 30 | 0 |
| 2020 | 28 | −2 |
| 2021 | 28 | 0 |
| 2022 | 28 | 0 |
| 2023 | 29 | +1 |
| 2024 | 32 | +3 |
| 2025 | 31 | −1 |
| Jun 2026 | 32 | +1 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.62% | 0.69% |
| Net worth ratio | 11.01% | 10.86% |
| Loans to shares | 99% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Tennessee
Most branches in Knox County, TN
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.