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
Call Report peers
ENLIGHTEN in the assets neighbourhood
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ENLIGHTEN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ENLIGHTEN 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Tennessee, Nashville Post Office (#89) ties at 77/100; one place down, ENBRIGHT (#91) ties at 77/100.
ENLIGHTEN: 2025Q4 → 2026Q1
ENLIGHTEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $16.8M (2025Q4) to $17.5M (2026Q1).
- Net-worth ratio shifted -0.26 pp (13.78% → 13.52%).
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
ENLIGHTEN gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is ENLIGHTEN financially healthy?
ENLIGHTEN has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,083 of 4,374 nationally on health and #90 of 127 in Tennessee. Its net worth ratio is 13.52% and its delinquency rate 0.57%.
How does ENLIGHTEN compare to other credit unions?
ENLIGHTEN scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.57% vs 1.15%). Its widest shortfall is loan-to-share ratio (23.24% vs 59.80%).
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?
ENLIGHTEN is a federal 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. ENLIGHTEN's net worth ratio of 13.52% 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.