Sep, 30, 2025 — ORNL FEDERAL CREDIT UNION is a federal credit union headquartered in OAK RIDGE, TN with 31 branch locations and about $4.54 billion in total assets. Opened 78 years ago in 1948, ORNL FEDERAL CREDIT UNION has about 225,234 members and employs 576 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ORNL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 221 S Rutgers Ave OAK RIDGE, TN 37830-6770 |
| Phone: | (865) 688-9555 |
| Fax: | |
| Website: | https://www.ornlfcu.com |
| Branches: | 31 branch locations |
| Members: | 225,234 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5797 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1948 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $4,544,737,207 |
| CEO/Manager: | Jenny Vipperman |
| Chairperson: | William R Gorman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 342,081,140 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,025,796,843 |
| Unsecured Loans | 102,924,751 |
| Other Loans | 1,510,022,817 |
| TOTAL LOANS | 3,638,898,455 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -41,628,676 |
| Land And Building | 57,792,203 |
| Other Fixed Assets | 34,694,221 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 32,166,168 |
| All Other Assets | 3,471,356 |
| TOTAL ASSETS | 4,544,737,207 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 231 |
| Notes & Interest Payable | 280,000,000 |
| Accounts Payable & Other Liabilities | 56,623,780 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 826,335,950 |
| Regular shares | 922,213,863 |
| All Other Shares & Deposits | 1,955,104,226 |
| TOTAL SHARES & DEPOSITS | 3,703,654,039 |
| TOTAL LIABILITIES | 4,040,288,869 |
| Regular Reserve | 0 |
| Other Reserves | 2,529,223 |
| Undivided Earnings | 501,919,115 |
| TOTAL EQUITY | 504,448,338 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,544,737,207 |
| INCOME & EXPENSE | |
| Loan Income | 153,444,282 |
| Investment Income | 25,034,422 |
| Other Income | 13,797,480 |
| Total Employee Compensation & Benefits | 43,646,699 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 42,750,563 |
| Non-operating Income & (Expense) | 1,592,409 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 17,896,541 |
| Cost of Funds | 66,910,959 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 45,941,987 |
| ↑ Back to Top | |