State credit union · Nashville, Tennessee · NCUA charter #68148
ENBRIGHT
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $78.2M
- Total assets
- 6,698
- Members
- 10.9%
- Net-worth ratio
ENBRIGHT scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.2M; members 6,698; net-worth ratio 10.88%; health rank #3,111 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,111 of 4,374 health · 2025Q4ENBRIGHT · health 77/100 · $78.2M · 2025Q4
Call Report peers
ENBRIGHT in the assets neighbourhood
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ENBRIGHT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ENBRIGHT sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ENBRIGHT: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 72.50% here, 62.60% peer average (+9.90 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.74 pp (10.88% vs 13.62%).
ENBRIGHT: in-state Call Report ranks
- Health composite ranks #91 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #51 of 127.
- Membership ranks #44 of 127 among Tennessee CUs with a reported count (6,698 members).
- One place up in Tennessee, ENLIGHTEN (#90) ties at 77/100; one place down, Scenic Community (#92) ties at 77/100.
ENBRIGHT Call Report trajectory
ENBRIGHT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $78.2M (2025Q4) to $78.9M (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.98% → 10.88%).
This credit union's 10.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
ENBRIGHT gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 9.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
ENBRIGHT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.88% | -2.74 pp |
| Delinquency Rate | 0.75% | -0.21 pp |
| Return on Assets | 0.10% | -0.56 pp |
| Member Growth | -30.07% | - |
| Loan-to-Share Ratio | 72.50% | +9.90 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
ENBRIGHT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.9M | - |
| 2025Q4 | $78.2M | 6,698 |
| 2024Q4 | $79.3M | 9,578 |
| 2023Q4 | $80.6M | 9,720 |
Credit Union Details
- Charter Number
- 68148
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Nashville
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, ENBRIGHT runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Enbright Credit Union - Corporate Office (Main Office) | Nashville, TN |
| Enbright Credit Union Indian Lake Branch | Hendersonville, TN |
| Enbright Credit Union Downtown | Nashville, TN |
| Enbright Credit Union - Donelson Branch | Nashville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
- NASHVILLE POST OFFICENASHVILLE, TN · $50M–$100M77Health
- CLEVELAND-BRADLEY CTY TEACHERCLEVELAND, TN · $50M–$100M87Health
- CHATTANOOGA FEDERAL EMPLOYEESChattanooga, TN · $50M–$100M86Health
- CREDIT UNION FOR ROBERTSON COUNTYSpringfield, TN · $50M–$100M85Health
- TNCONNECTKNOXVILLE, TN · $50M–$100M81Health
Cross-state Call Report peers for ENBRIGHT
Similar total assets
Similar health score
Using this data
- ENBRIGHT ranks #3,111 of 4,374 nationally on financial health and #91 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Nashville Post Office is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Nashville Post Office
Frequently Asked Questions
Is ENBRIGHT financially healthy?
ENBRIGHT has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,111 of 4,374 nationally on health and #91 of 127 in Tennessee. Its net worth ratio is 10.88% and its delinquency rate 0.75%.
How does ENBRIGHT compare to other credit unions?
ENBRIGHT scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.50% vs 62.60%). Its widest shortfall is net worth ratio (10.88% vs 13.62%).
How can I join ENBRIGHT?
Membership eligibility for ENBRIGHT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ENBRIGHT directly for current membership requirements and application steps.
Is my money safe at ENBRIGHT?
ENBRIGHT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ENBRIGHT's net worth ratio of 10.88% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.