Enbright Credit Union
Total assets
$78.9M
▲ +1.3% YoY
Shares & deposits
$69.8M
▲ +1.5% YoY
Loans
$46.5M
▼ -13.2% YoY
Members
6,866
▼ -28.2% YoY
ROA (annualized)
0.03%
peers 0.60%
ROE (annualized)
0.28%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Enbright Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.9 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 2340 Jackson Downs Blvd, Nashville, TN, 37214
- NCUA charter #
- 68148
- RSSD ID
- 693596
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.9M | $69.8M | $46.5M | $8.6M | $6K | 0.03% | 4.23% | 0.58% | 6,866 |
| Q4 2025 | $78.2M | $68.8M | $49.9M | $8.6M | $138K | 0.18% | 4.50% | 0.75% | 6,698 |
| Q3 2025 | $76.8M | $67.4M | $51.2M | $8.8M | $126K | 0.22% | 4.58% | 0.64% | 8,316 |
| Q2 2025 | $77.0M | $67.8M | $52.4M | $8.8M | $88K | 0.23% | 4.49% | 0.34% | 9,735 |
| Q1 2025 | $77.9M | $68.7M | $53.6M | $8.7M | $36K | 0.19% | 4.39% | 0.55% | 9,563 |
| Q4 2024 | $79.3M | $68.4M | $55.3M | $8.7M | $80K | 0.10% | 4.15% | 0.87% | 9,578 |
| Q3 2024 | $80.0M | $69.2M | $57.5M | $8.9M | $58K | 0.10% | 4.08% | 0.70% | 9,614 |
| Q2 2024 | $80.9M | $70.0M | $60.5M | $8.9M | $46K | 0.11% | 3.97% | 1.33% | 9,461 |
Loan mix (Q1 2026): real estate $5.8M · commercial $10K · consumer $38.5M · securities $17.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Enbright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Enbright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Enbright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Enbright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Enbright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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