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 0.58% above tier average
- + AMR Growth Rate: Top 1.0% in tier
- + Total Loans: Top 5.5% in tier
- + Total Members: Top 6.6% in tier
- + Total Deposits: Top 7.4% in tier
- + Total Assets: Top 8.5% in tier
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 3.83% above tier (higher cost structure)
- - Member decline: -30.1% YoY
- - Member Growth Rate: Bottom 1.2% in tier
- - Indirect Auto Concentration (%): Bottom 1.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,698
-30.1% YoY-19.5% QoQ
|
+4.1K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Top 6.6% in tier |
| Assets |
$78.2M
-1.4% YoY+1.8% QoQ
|
+$48.0M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 8.6% in tier |
| Loans |
$49.9M
-9.8% YoY-2.6% QoQ
|
+$34.1M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 5.6% in tier |
| Deposits |
$68.8M
+0.6% YoY+2.1% QoQ
|
+$43.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 7.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
+76.9% YoY-18.2% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
4.5%
+9.9% YoY-0.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
86.4%
-5.9% YoY-0.7% QoQ
|
+3.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.8%
-13.7% YoY+16.9% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
72.5%
-10.4% YoY-4.5% QoQ
|
+11.9% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$17,728
+37.2% YoY+24.2% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
31.6%
-3.8% YoY+4.4% QoQ
|
+7.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
47.2%
+1.2% YoY+2.2% QoQ
|
+33.5% | 13.8% | 6.7% | 7.8% | 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)