Credit unions · Tennessee · Q2 2026
ORNL FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $4.97B |
| Total loans & leases | $3.98B |
| Total shares & deposits | $4.02B |
| Members | 234,800 |
| Net worth | $547M |
| Net worth / assets | 11.01% |
| Loans / assets | 79.94% |
| Return on assets (annualized) | 1.15% |
| Loan growth (YoY) | 12.44% |
| Member growth (YoY) | 5.67% |
| Delinquency, all loans (60+ days) | 0.62% |
| Charter | Federal charter |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Community |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
ORNL FCU works with Zest AI, whose machine-learning models automate consumer credit underwriting, and its CEO has described piloting a generative AI tool for fair-lending review. That places AI inside the credit union's lending decision process.
- Zest AI Secures Strategic Investment from Customers in Oversubscribed Round “The investment was led by five of the company's key customers – SchoolsFirst Federal Credit Union, Members 1st Federal Credit Union, ORNL Federal Credit Union, Truliant Federal Credit Union”
- How a Tennessee credit union uses generative AI to foster fair lending | Credit Union Journal | National Mortgage News “president and chief executive of ORNL Federal Credit Union in Oak Ridge, Tennessee, is partnering with the Burbank, California-based lending software firm Zest AI”