ORION
Charter #24831 · Memphis, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.42% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.13% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.73% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.87% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 57th — a 40-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ORION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.30B | 19th pct | 54th pct |
| Members | 69,342 | 17th pct | 57th pct |
| Net worth ratio | 18.42% | 98th pct | 90th pct |
| Return on average assets | 0.13% | 7th pct | 11th pct |
| Net interest margin | 3.25% | 44th pct | 46th pct |
| Cost of funds | 1.67% | 44th pct | 38th pct |
| Loan-to-share | 105.10% | 96th pct | 80th pct |
| Delinquency 60+ days | 0.56% | 44th pct | 51th pct |
| Net charge-off ratio | 0.73% | 69th pct | 90th pct |
| Loan growth YoY | 2.64% | 63th pct | 75th pct |
| Share growth YoY | 0.99% | 9th pct | 13th pct |
| Efficiency ratio | 87.87% | 95th pct | 85th pct |
structural peer set hash: c36e56ef351388107f0fcbb0c39f5615… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.