TellerScore

Headquartered in Nashville, Tennessee, Enbright Credit Union is a federally insured state-chartered credit union with $79.3M in total assets and $70.1M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1951.

Enbright Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 88th. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 1% uninsured); earnings contributes the least (23/100, 0.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.86%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings23/100
Return on assets (annualized): 0.07%
Funding & liquidity96/100
Loans ÷ shares: 63.9% · 1.1% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (69 → 67), mostly because the funding & liquidity component improved by 13 points.

TellerScore
566369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202463
Q4 202460
Q1 202565
Q2 202569
Q3 202566
Q4 202564
Q1 202665
Q2 202667
Net worth ratio
7.00%9.22%11.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.95%
Q3 202411.09%
Q4 202410.93%
Q1 202511.18%
Q2 202511.37%
Q3 202511.45%
Q4 202510.98%
Q1 202610.88%
Q2 202610.86%
Delinquent loans (60+ days)
0.34%0.84%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.33%
Q3 20240.70%
Q4 20240.87%
Q1 20250.55%
Q2 20250.34%
Q3 20250.64%
Q4 20250.75%
Q1 20260.58%
Q2 20260.44%
Return on assets
0.03%0.13%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.10%
Q4 20240.10%
Q1 20250.19%
Q2 20250.23%
Q3 20250.22%
Q4 20250.18%
Q1 20260.03%
Q2 20260.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$79.3M10.86%0.44%0.07%63.9%
Q1 202665$78.9M10.88%0.58%0.03%66.7%
Q4 202564$78.2M10.98%0.75%0.18%72.5%
Q3 202566$76.8M11.45%0.64%0.22%75.9%
Q2 202569$77.0M11.37%0.34%0.23%77.3%
Q1 202565$77.9M11.18%0.55%0.19%78.0%
Q4 202460$79.3M10.93%0.87%0.10%80.9%
Q3 202463$80.0M11.09%0.70%0.10%83.1%
Q2 202456$80.9M10.95%1.33%0.11%86.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.86%
23rd
Problem loans0.44%
61st
Net charge-offs1.20%
11th
Return on assets0.07%
22nd
Loans to deposits63.9%
42nd
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio7.2%
20th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Nashville Post Office Credit UnionCredit union Nashville, TN78 out of 100, Strong$81.3M16.2%0.76%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Cleveland-Bradley Cty Teacher Federal Credit UnionCredit union Cleveland, TN82 out of 100, Strong$74.1M12.9%0.51%vs
Credit Union for Robertson CountyCredit union Springfield, TN80 out of 100, Strong$85.3M13.1%0.59%vs
Middle Tennessee Federal Credit UnionCredit union Cookeville, TN96 out of 100, Very strong$71.3M16.8%0.40%vs
Copper Basin Federal Credit UnionCredit union Copperhill, TN70 out of 100, Strong$68.8M12.2%1.65%vs

Deposit insurance

Is my money safe at Enbright Credit Union?

Yes. Enbright Credit Union is a federally insured credit union (NCUA charter #68148). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.1% of shares and deposits ($748K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Enbright Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Enbright Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68148
RSSD ID
693596
Primary regulator
State + NCUA
Established
1951
Headquarters
2340 Jackson Downs Blvd, Nashville, TN 37214
Employees
21

Quick answers

Enbright Credit Union: common questions

Is Enbright Credit Union NCUA insured?

Yes. Enbright Credit Union is a federally insured credit union (NCUA charter #68148). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Enbright Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Enbright Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nashville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
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Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
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