BlastPoint's Credit Union Scorecard
ENBRIGHT
Charter #68148 · TN
ENBRIGHT has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + AMR Growth Rate: Top 0.7% in tier
- + Fee Income Per Member: Top 2.9% in tier
- + Total Deposits: Top 6.9% in tier
- + Total Loans: Top 7.5% in tier
- + Total Members: Top 7.7% in tier
- + Total Assets: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 1.68% above tier (higher cost structure)
- - Member decline: -36.0% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Indirect Auto Concentration (%): Bottom 2.2% 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 +3.4% year over year ($70.1M in shares and deposits).
- Membership: 6,234 members, -36.0% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.07%.
- Efficiency ratio 90.45% vs a 88.77% peer average.
- Loan-to-share ratio 63.90% 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 |
6,234
-36.0% YoY-9.2% QoQ
|
+3.6K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Top 7.8% in tier |
| Assets |
$79.3M
+2.9% YoY+0.5% QoQ
|
+$49.0M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Top 8.0% in tier |
| Loans |
$44.8M
-14.5% YoY-3.7% QoQ
|
+$29.3M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Top 7.6% in tier |
| Deposits |
$70.1M
+3.4% YoY+0.5% QoQ
|
+$44.3M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Top 6.9% in tier |
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| ROA |
0.1%
-67.4% YoY
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.1% in tier |
| NIM |
4.2%
-5.1% YoY+0.4% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
90.4%
+4.7% YoY+2.9% QoQ
|
+1.7% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.4%
+27.9% YoY-24.2% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
63.9%
-17.4% YoY-4.2% QoQ
|
+5.0% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$18,435
+49.3% YoY+8.9% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
32.0%
+2.8% YoY+3.6% QoQ
|
+7.5% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
43.1%
-7.5% YoY-6.3% QoQ
|
+29.5% | 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)