Federal credit union · OAK RIDGE, Tennessee · NCUA charter #6778
ENRICHMENT
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $963.1M
- Total assets
- 48,272
- Members
- 11.9%
- Net-worth ratio
ENRICHMENT scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $963.1M; members 48,272; net-worth ratio 11.87%; health rank #187 of 4,374; healthier than 95th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#187 of 4,374 health · 2025Q4ENRICHMENT · health 97/100 · $963.1M · 2025Q4
Call Report peers
ENRICHMENT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ENRICHMENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ENRICHMENT sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ENRICHMENT
- Largest favorable gap: Loan-to-Share Ratio at 85.25% vs peer 83.90% (+1.35 pp).
Where ENRICHMENT sits in Tennessee
- In Tennessee, health place is #9 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, ENRICHMENT is #9 of 127 in Tennessee.
- Member book place in Tennessee: #13 of 127.
- One place up in Tennessee, EASTMAN (#8) ties at 97/100; one place down, Tennessee Valley (#10) scores 96/100, 1 point lower.
How ENRICHMENT's 5300 filing moved
ENRICHMENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $963.1M (2025Q4) to $972.5M (2026Q1).
- Net-worth ratio shifted +0.11 pp (11.76% → 11.87%).
At 11.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
ENRICHMENT gives up 3 points in total. Member Growth costs the most, 2.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for ENRICHMENT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.87% | +0.69 pp |
| Delinquency Rate | 0.56% | -0.32 pp |
| Return on Assets | 1.25% | +0.74 pp |
| Member Growth | 2.82% | - |
| Loan-to-Share Ratio | 85.25% | +1.35 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ENRICHMENT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $972.5M | - |
| 2025Q4 | $963.1M | 48,272 |
| 2024Q4 | $916.7M | 46,948 |
| 2023Q4 | $827.2M | 45,571 |
Credit Union Details
- Charter Number
- 6778
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- OAK RIDGE
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, ENRICHMENT runs 9 offices in 6 different cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | OAK RIDGE, TN |
| CLINTON BRANCH | CLINTON, TN |
| MIDTOWN at PINNACLE POINT | Harriman, TN |
| ROANE COUNTY BRANCH | KINGSTON, TN |
| NORTH KNOXVILLE BRANCH | KNOXVILLE, TN |
| WEST KNOXVILLE BRANCH | KNOXVILLE, TN |
| NORTHSHORE BRANCH | KNOXVILLE, TN |
| HALLS BRANCH | KNOXVILLE, TN |
| NEW TAZEWELL BRANCH | NEW TAZEWELL, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- ENRICHMENT ranks #187 of 4,374 nationally on financial health and #9 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FORTERA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FORTERA
Frequently Asked Questions
Is ENRICHMENT financially healthy?
ENRICHMENT has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #187 of 4,374 nationally on health and #9 of 127 in Tennessee. Its net worth ratio is 11.87% and its delinquency rate 0.56%.
How does ENRICHMENT compare to other credit unions?
ENRICHMENT scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.25% vs 83.90%).
How can I join ENRICHMENT?
ENRICHMENT 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 ENRICHMENT directly for the exact boundaries and application steps.
Is my money safe at ENRICHMENT?
ENRICHMENT 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. ENRICHMENT's net worth ratio of 11.87% 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.