Charter 5797 · Oak Ridge, TN
Ornl Federal Credit Union
Ornl Federal Credit Union is a federally chartered credit union in Oak Ridge, Tennessee, with $4.97 billion in assets and 234,790 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.01%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $4.97 billion
- +14.2% in a year
- Members
- 234,790
- +5.7% in a year
- Net worth ratio
- 11.01%
- Peer median 10.79%
- Loans 60+ days late
- 0.62%
- Peer median 0.67%
- Loans outstanding
- $3.97 billion
- +12.4% in a year
- Shares and deposits
- $4.02 billion
- +10.7% in a year
- Branches
- 31
- 631 employees
- Opened
- 1948
- Federal charter
How Ornl Federal Credit Union compares
NCUA groups credit unions by size; Ornl Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.01% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.62%, is lower than the group median of 0.67%. Loans grew 12.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 3 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $4.97 billion | 234,790 | $3.97 billion | 11.01% | 0.62% |
| Q1 2026 | $4.81 billion | 229,975 | $3.83 billion | 11.02% | 0.43% |
| Q4 2025 | $4.71 billion | 225,794 | $3.72 billion | 11.01% | 0.68% |
| Q3 2025 | $4.54 billion | 225,234 | $3.64 billion | 11.18% | 0.58% |
| Q2 2025 | $4.36 billion | 222,190 | $3.53 billion | 11.29% | 0.56% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 32 sites for Ornl Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Clinton
1117 N Charles G Seivers Blvd, Clinton, TN 37716 - Kingston
1204 N Kentucky St, Kingston, TN 37763 - North Knoxville
808 Victor Dr, Knoxville, TN 37912 - Morristown Central
1730 W Andrew Johnson Hwy, Morristown, TN 37814 - Karns
7228 Oak Ridge Hwy, Knoxville, TN 37931 - Madisonville
4201 Highway 411, Madisonville, TN 37354 - Lab
1 Bethel Valley Rd, Oak Ridge, TN 37830 - Halls
4510 E Emory Rd, Knoxville, TN 37938 - Fountain City
5208 N Broadway St, Knoxville, TN 37918 - West Knoxville
8721 Kingston Pike, Knoxville, TN 37923 - Farragut
11405 Municipal Center Dr, Farragut, TN 37934 - Oak Ridge West
116 N Illinois Ave, Oak Ridge, TN 37830 - East Knox
3634 E Magnolia Ave, Knoxville, TN 37914 - Oak Ridge (main office)
221 S Rutgers Ave, Oak Ridge, TN 37830 - Sevierville
699 Parkway Ste 5, Sevierville, TN 37862 - Millertown Pike
5409 Millertown Pike, Knoxville, TN 37924 - South Knox
7325 Chapman Hwy, Knoxville, TN 37920 - LaFollette
2229 Jacksboro Pike, La Follette, TN 37766 - Middlebrook
9570 Middlebrook Pike, Knoxville, TN 37931 - Alcoa
103 Hamilton Crossing Dr, Alcoa, TN 37701 - Northshore
2077 Town Center Blvd, Knoxville, TN 37922 - Bearden
5505 Kingston Pike, Knoxville, TN 37919 - Loudon
2859 Highway 72 N, Loudon, TN 37774 - Lenoir City
895 Highway 321 N, Lenoir City, TN 37771 - Maynardville Food City
4344 Maynardville Hwy, Maynardville, TN 37807 - Oak Ridge Main Branch
215 S Rutgers Ave, Oak Ridge, TN 37830 - Maryville
2441 Us Highway 411 S, Maryville, TN 37801 - Athens
103 W Washington Ave, Athens, TN 37303 - Decatur
17640 State Highway 58 N, Decatur, TN 37322 - Morristown East
1216 E Main St, Morristown, TN 37814 - Morristown West
3610 W Andrew Johnson Hwy, Morristown, TN 37814 - Newport
344 W Broadway, Newport, TN 37821
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology