Federal credit union · JACKSON, Tennessee · NCUA charter #20662
ENLIGHTEN
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $16.8M
- Total assets
- 1,395
- Members
- 13.5%
- Net-worth ratio
ENLIGHTEN scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.8M; members 1,395; net-worth ratio 13.52%; health rank #3,083 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,083 of 4,374 health · 2025Q4ENLIGHTEN · health 77/100 · $16.8M · 2025Q4
- RANK 77/100
- PHOTO 13.5%
- BOOK 0.57%
- CHARTER 1.28%
- NCUSIF $16.8M
- CAMELS 1,395
- HEALTH #3,083/4,374
- NW Electric Cooperatives
- DELQ 20662
Call Report peers
ENLIGHTEN in the assets neighbourhood
ENLIGHTEN's $16.8M assets sit next to Electric Cooperatives ($16.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ENLIGHTEN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
ENLIGHTEN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20662, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
ENLIGHTEN vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.57% here, 1.15% peer average (-0.58 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -36.56 pp (23.24% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for ENLIGHTEN
- Tennessee health ordinal: #90 of 127.
- Assets rank #94 of 127 inside Tennessee ($16.8M reported).
- Membership ranks #102 of 127 among Tennessee CUs with a reported count (1,395 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ENLIGHTEN: 2025Q4 → 2026Q1
ENLIGHTEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $16.8M (2025Q4) to $17.5M (2026Q1).
- Net-worth ratio shifted -0.26 pp (13.78% → 13.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.7 pts
Call Report ratios for ENLIGHTEN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.52% | -1.34 pp |
| Delinquency Rate | 0.57% | -0.58 pp |
| Return on Assets | 1.28% | +0.57 pp |
| Member Growth | -5.30% | - |
| Loan-to-Share Ratio | 23.24% | -36.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
ENLIGHTEN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.5M | - |
| 2025Q4 | $16.8M | 1,395 |
| 2024Q4 | $15.9M | 1,473 |
| 2023Q4 | $17.3M | 1,503 |
Credit Union Details
- Charter Number
- 20662
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Location
ENLIGHTEN operates a single office in Jackson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Jackson, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Other-state peers near ENLIGHTEN
ENLIGHTEN's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- ENLIGHTEN ranks #3,083 of 4,374 nationally on financial health and #90 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SKYLINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SKYLINE
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ENLIGHTEN financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - ENLIGHTEN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,083 of 4,374; by total assets it ranks #3,251 of 4,374 nationally (same basis as /rankings/largest); and #94 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.52% net worth ratio and 0.57% delinquency rate are the key drivers.
How does ENLIGHTEN compare to other credit unions?
77/100 is ENLIGHTEN's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ENLIGHTEN?
ENLIGHTEN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ENLIGHTEN directly for the exact boundaries and application steps.
Is my money safe at ENLIGHTEN?
Federal credit unions like ENLIGHTEN are 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. ENLIGHTEN's net worth ratio of 13.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ENLIGHTEN offer compared to banks?
Credit unions like ENLIGHTEN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ENLIGHTEN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.