Credit union · NCUA insured
Orion Financial
Top CarrotA $1.3B credit union, the 383rd largest of 4,329, headquartered in Memphis, TN, with 69,342 members and 11 branches in 2 states. Best rates: CDs 3.50% and savings 3.35% APY.
Orion Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#4 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Orion Financial
Founded in 1957, the credit union was established when a group of Memphis City Schools teachers pooled $300 to create a shared resource.
Formerly known as Memphis Area Teacher Credit Union (MATCU), the member-owned institution rebranded to Orion Federal Credit Union in 2011.
Headquartered in Memphis, Tennessee, Orion operates 11 branch locations across the Memphis and Little Rock areas.
- Headquarters
- 400 Monroe Ave, Memphis, TN 38103
- NCUA charter
- 24831
Branches
11 branches in 2 states
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Tennessee
10 branches
- Kate Bond7845 US Highway 64, Suite 150, Bartlett, TN 38133Directions
- Collerville310 New Byhalia Rd, Collierville, TN 38017Directions
- Germantown335 S Walnut Bend Rd, Cordova, TN 38018Directions
- American Way4805 American Way, Memphis, TN 38118Directions
- Hacks Cross7960 Lowrance Rd, Memphis, TN 38125Directions
- Medical District Branch821 Poplar Ave, Memphis, TN 38105Directions
- Mid Town1975 Union Ave, Memphis, TN 38104Directions
- Raleigh3118 Covington Pike, Memphis, TN 38128Directions
- White Station641 S White Station Rd, Memphis, TN 38117Directions
- Whitehaven3155 Millbranch Rd, Memphis, TN 38116Directions
Arkansas
1 branch
- Little Rock1201 W 3rd ST, Little Rock, AR 72201Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.42% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.55% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.10% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $111 | $88 | — |
- CapitalNet worth ratio18.42%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.55%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.10%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$111Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Orion Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.