BlastPoint's Credit Union Scorecard
ENBRIGHT
Charter #68148 · TN
ENBRIGHT has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + AMR Growth Rate: Top 1.2% in tier
- + Fee Income Per Member: Top 1.8% in tier
- + Total Members: Top 5.6% in tier
- + Total Loans: Top 6.3% in tier
- + Total Deposits: Top 6.9% in tier
- + Total Assets: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Member decline: -28.2% YoY
- - Member Growth Rate: Bottom 1.1% in tier
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,866
-28.2% YoY+2.5% QoQ
|
+4.2K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Top 5.6% in tier |
| Assets |
$78.9M
+1.3% YoY+1.0% QoQ
|
+$48.7M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Top 7.8% in tier |
| Loans |
$46.5M
-13.2% YoY-6.8% QoQ
|
+$31.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 6.4% in tier |
| Deposits |
$69.8M
+1.5% YoY+1.3% QoQ
|
+$44.0M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Top 6.9% in tier |
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| ROA |
0.0%
-83.4% YoY-82.8% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
4.2%
-2.8% YoY-6.8% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
87.9%
+1.4% YoY+1.7% QoQ
|
-2.8% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
0.6%
+6.1% YoY-22.8% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
66.7%
-14.5% YoY-8.0% QoQ
|
+8.2% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$16,933
+32.3% YoY-4.5% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
30.9%
-1.9% YoY-2.2% QoQ
|
+6.6% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
46.0%
-0.8% YoY-2.6% QoQ
|
+32.2% | 13.8% | 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)