PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orion

Memphis, TN · Charter 24831

NCUA · 12 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.0BShares
$239.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, down 11 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.55% of loans (-4 bps YoY).
  • Capital: net worth / assets of 18.42%, down 43 bps from a year ago.
  • Funding: loans stand at 110.58% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+5 bps YoY

Efficiency Ratio (YTD, annualized)

89.31%+138 bps YoY

Net Worth / Assets

18.42%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.20%0.19%0.13%0.10%-11 bps
Return on Equity1.13%1.05%1.04%0.69%0.56%-57 bps
Net Interest Margin3.25%3.26%3.29%3.23%3.30%+5 bps
Efficiency Ratio87.93%86.17%85.16%87.87%89.31%+138 bps
Growth
Asset Growth (YoY)2.42%4.98%4.97%3.60%1.84%-58 bps
Loan Growth (YoY)5.69%6.38%7.05%7.20%9.17%+347 bps
Share Growth (YoY)3.12%6.06%5.98%4.12%1.87%-125 bps
Asset Quality
Delinquent Loans / Loans0.60%0.55%0.97%0.56%0.55%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.85%18.75%18.62%18.42%18.42%-43 bps
Net Worth / Assets18.85%18.75%18.62%18.42%18.42%-43 bps
Liquidity & Funding
Loans / Shares103.19%103.41%106.33%105.10%110.58%+739 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps