ORNL
Federal • Oak Ridge, Tennessee • Est. 1948
Quick Facts
- Charter Number
- #5797
- Type
- Federal
- Established
- 1948
- Headquarters
- Oak Ridge, Tennessee 37831
- Address
- P.O. Box 365
- Branches
- 31
- ATMs
- 33
- Members
- 225,794
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
225,794 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ORNL |
|---|---|
| Total Assets | $4.7B |
| Members | 225,794 |
| Loans Outstanding | $3.7B |
| Shares & Deposits | $3.9B |
| Net Worth | $518.7M |
| Net Worth Ratio | 11.01% |
| Loan-to-Share Ratio | 95.8% |
| Delinquency Rate | 0.68% |
| Net Income | +$81,635,828 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
31 locations · 33 ATMs
Clinton
1117 N Charles G Seivers Blvd
Clinton, TN 37716-3943
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 37814-3737
Karns
7228 Oak Ridge Hwy
Knoxville, TN 37931
Who Can Join ORNL?
Membership Type: Other/Unknown
Membership eligibility for ORNL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ORNL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Tennessee RankingsFrequently Asked Questions
Yes. ORNL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ORNL has 225,794 members and a potential membership field of 1,432,511 people.
ORNL's net worth ratio is 11.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, ORNL meets this threshold.
ORNL operates 31 branch locations and has access to 33 ATMs. The main office is located at 221 S Rutgers Ave, Oak Ridge, TN 37830-6770.
ORNL was established in 1948. It is a federal credit union chartered under charter number 5797. The institution has been serving members for 78 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ORNL. All financial data is for informational purposes only.