BlastPoint's Credit Union Scorecard
ENLIGHTEN
Charter #20662 · TN
ENLIGHTEN faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Member decline: -4.6% YoY
- - Loan-to-Share Ratio: Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -4.4% year over year ($14.3M in shares and deposits).
- Membership: 1,366 members, -4.6% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 1.05%.
- Efficiency ratio 76.72% vs a 88.77% peer average.
- Loan-to-share ratio 20.34% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,366
-4.6% YoY-1.3% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$16.8M
-2.6% YoY-3.9% QoQ
|
$-13.4M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$2.9M
-20.0% YoY-8.4% QoQ
|
$-12.5M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$14.3M
-4.4% YoY-4.9% QoQ
|
$-11.5M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
1.1%
-16.3% YoY-14.9% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.9%
-1.1% YoY+1.1% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
76.7%
+7.9% YoY+4.0% QoQ
|
-12.0% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.7%
+7.7% YoY+19.4% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
20.3%
-16.3% YoY-3.7% QoQ
|
-38.6% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.2% in tier |
| AMR |
$12,623
-3.0% YoY-4.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)