TellerScore

Enlighten Federal Credit Union (NCUA charter #20662) is based in Jackson, Tennessee. Its Q2 2026 call report shows $16.8M in total assets and $14.3M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Enlighten Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 32nd. Its strongest component is funding & liquidity (100/100; 20% loans-to-deposits, 5% uninsured), and its lowest is earnings (63/100; 1.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.29%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity100/100
Loans ÷ shares: 20.3% · 5.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.84%

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 rose 3 points (82 → 85), mostly because the capital cushion component improved by 16 points.

TellerScore
828486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202485
Q4 202486
Q1 202582
Q2 202582
Q3 202584
Q4 202586
Q1 202684
Q2 202685
Net worth ratio
7.00%10.64%14.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.82%
Q3 202412.64%
Q4 202413.14%
Q1 202512.62%
Q2 202512.73%
Q3 202513.54%
Q4 202513.78%
Q1 202613.52%
Q2 202614.29%
Delinquent loans (60+ days)
0.30%0.53%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.40%
Q4 20240.36%
Q1 20250.33%
Q2 20250.64%
Q3 20250.75%
Q4 20250.57%
Q1 20260.58%
Q2 20260.69%
Return on assets
1.00%1.26%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.51%
Q3 20241.42%
Q4 20241.35%
Q1 20251.00%
Q2 20251.25%
Q3 20251.37%
Q4 20251.32%
Q1 20261.24%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$16.8M14.29%0.69%1.07%20.3%
Q1 202684$17.5M13.52%0.58%1.24%21.1%
Q4 202586$16.8M13.78%0.57%1.32%23.2%
Q3 202584$16.7M13.54%0.75%1.37%23.6%
Q2 202582$17.3M12.73%0.64%1.25%24.3%
Q1 202582$16.9M12.62%0.33%1.00%24.9%
Q4 202486$15.9M13.14%0.36%1.35%29.2%
Q3 202485$16.2M12.64%0.40%1.42%29.8%
Q2 202484$17.0M11.82%0.30%1.51%27.7%

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 ratio14.29%
50th
Problem loans0.69%
50th
Net charge-offs0.13%
54th
Return on assets1.07%
71st
Loans to deposits20.3%
95th
Uninsured deposits5.4%
19th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
68th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Skyline Credit UnionCredit union Nashville, TN68 out of 100, Moderate$16.8M24.3%2.95%vs
Parthenon Federal Credit UnionCredit union Nashville, TN42 out of 100, Below average$17.1M16.1%6.04%vs
Gateway Credit UnionCredit union Clarksville, TN60 out of 100, Moderate$16.3M8.4%0.70%vs
Tennessee River Federal Credit UnionCredit union Counce, TN89 out of 100, Very strong$16.3M33.2%0.25%vs
Your Best Credit UnionCredit union Nashville, TN70 out of 100, Strong$16.0M15.2%0.32%vs
The West Tennessee Credit UnionCredit union Atoka, TN75 out of 100, Strong$17.9M11.5%0.63%vs

Deposit insurance

Is my money safe at Enlighten Federal Credit Union?

Yes. Enlighten Federal Credit Union is a federally insured credit union (NCUA charter #20662). 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 5.4% of shares and deposits ($779K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.29%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Enlighten Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Enlighten Federal Credit Union
Type
Federal credit union
NCUA charter #
20662
RSSD ID
968584
Primary regulator
NCUA
Established
1971
Headquarters
1306 Highway 70 Byp, Jackson, TN 38301
Employees
4

Quick answers

Enlighten Federal Credit Union: common questions

Is Enlighten Federal Credit Union NCUA insured?

Yes. Enlighten Federal Credit Union is a federally insured credit union (NCUA charter #20662). 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 Enlighten Federal Credit Union's TellerScore?

85 out of 100 (Very strong), 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 Enlighten Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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