ENRICHMENT
Charter #6778 | TN
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
3 750M-1B in TN
ENRICHMENT has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.4% in tier
- + Relationship Depth Leader: Top 27.8% in tier
- + Wallet Share Momentum: Top 36.3% in tier
- + ROA 0.71% above tier average
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 9.4% in tier
- - Credit Quality Pressure: Bottom 10.5% in tier
- - Indirect Auto Dependency: Bottom 27.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,224
+3.2% YoY+0.7% QoQ
|
-3.9K |
52,114
-2.1% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$945.4M
+2.8% YoY+1.3% QoQ
|
+$86.4M |
$859.0M
+0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Top 14.3% in tier |
| Loans |
$714.0M
+6.5% YoY+2.6% QoQ
|
+$110.6M |
$603.4M
+1.0% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 17.0% in tier |
| Deposits |
$831.0M
+1.6% YoY+0.9% QoQ
|
+$96.8M |
$734.2M
+0.9% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 13.4% in tier |
| ROA |
1.4%
+9.3% YoY+13.8% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 9.8% in tier |
| NIM |
3.3%
+6.5% YoY+0.7% QoQ
|
-0.1% |
3.4%
+9.6% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
42nd in tier |
| Efficiency Ratio |
62.8%
-3.2% YoY-4.4% QoQ
|
-11.7% |
74.5%
-3.2% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.9% in tier |
| Delinquency Rate |
0.7%
+71.7% YoY+41.6% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
55th in tier |
| Loan To Share |
85.9%
+4.8% YoY+1.6% QoQ
|
+3.3% |
82.7%
+0.1% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$32,038
+0.6% YoY+1.0% QoQ
|
+$3K |
$28,651
+2.5% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
32.6%
-3.3% YoY+1.7% QoQ
|
+8.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
Top 21.7% in tier |
| Indirect Auto % |
23.3%
+16.8% YoY+0.1% QoQ
|
+9.3% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
Top 24.6% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growth
#154 of 603 • Top 8.4% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.18%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.42%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
23.27%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#768 of 1006 • Top 27.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
0.56%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$3.1K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#1000 of 1006 • Top 36.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
0.56%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (3)
Growth-at-Risk
risk
#142 of 446 • Bottom 9.4% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
6.45%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.30% points
(Tier:
0.04% points, National:
0.07% points)
446 of 281 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#260 of 736 • Bottom 10.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.30% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#445 of 525 • Bottom 27.7% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
2.82%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
23.27%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
3.18%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
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)
Top Strengths (8 metrics)
11
Return on Assets (ROA)
profitability
Value:
1.42%
Peer Avg: 0.71%
#11 of 112
Top 8.9% in 750M-1B tier
15
Total Deposits
balance_sheet
Value:
$831.01M
Peer Avg: $734.17M
#15 of 112
Top 12.5% in 750M-1B tier
16
Total Assets
balance_sheet
Value:
$945.45M
Peer Avg: $859.01M
#16 of 112
Top 13.4% in 750M-1B tier
19
Total Loans
balance_sheet
Value:
$713.98M
Peer Avg: $603.36M
#19 of 112
Top 16.1% in 750M-1B tier
21
Efficiency Ratio
profitability
Value:
62.78%
Peer Avg: 74.52%
#21 of 112
Top 17.9% in 750M-1B tier
24
Net Charge-Off Rate
risk
Value:
0.25%
Peer Avg: 0.61%
#24 of 112
Top 20.5% in 750M-1B tier
26
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,806
Peer Avg: $12,810
#26 of 112
Top 22.3% in 750M-1B tier
27
Member Growth Rate
growth
Value:
3.18%
Peer Avg: 1.14%
#27 of 112
Top 23.2% in 750M-1B tier
Top Weaknesses (1 metrics)
90
Deposit Growth Rate
growth
Value:
1.55%
Peer Avg: 5.03%
#90 of 112
Bottom 20.5% in 750M-1B tier