ORNL
Charter #5797 · Oak Ridge, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.95% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 62nd — a 22-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 | ORNL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.81B | 80th pct | 74th pct |
| Members | 229,975 | 76th pct | 67th pct |
| Net worth ratio | 11.02% | 56th pct | 66th pct |
| Return on average assets | 0.98% | 72th pct | 59th pct |
| Net interest margin | 3.49% | 59th pct | 64th pct |
| Cost of funds | 2.29% | 77th pct | 66th pct |
| Loan-to-share | 97.30% | 84th pct | 62th pct |
| Delinquency 60+ days | 0.43% | 30th pct | 30th pct |
| Net charge-off ratio | 0.95% | 81th pct | 87th pct |
| Loan growth YoY | 5.30% | 84th pct | 77th pct |
| Share growth YoY | 6.32% | 78th pct | 75th pct |
| Efficiency ratio | 63.68% | 21th pct | 28th pct |
structural peer set hash: e542703df08277f06903d99b5c6c2bab… (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.