TellerScore

Headquartered in Oak Ridge, Tennessee, Enrichment Federal Credit Union is a federal credit union with $984.4M in total assets and $860.5M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1950.

Based on its Q2 2026 filing, Enrichment Federal Credit Union scores 80/100, which we describe as strong. That is higher than 78% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 45th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (72/100; 12.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.19%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity77/100
Loans ÷ shares: 83.7% · 11.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.37%

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 6 points (74 → 80), mostly because the capital cushion component improved by 9 points.

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202473
Q4 202474
Q1 202573
Q2 202574
Q3 202574
Q4 202576
Q1 202676
Q2 202680
Net worth ratio
7.00%9.59%12.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.71%
Q3 202410.52%
Q4 202410.91%
Q1 202511.03%
Q2 202511.34%
Q3 202511.62%
Q4 202511.76%
Q1 202611.87%
Q2 202612.19%
Delinquent loans (60+ days)
0.26%0.49%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.42%
Q4 20240.46%
Q1 20250.36%
Q2 20250.51%
Q3 20250.72%
Q4 20250.56%
Q1 20260.26%
Q2 20260.37%
Return on assets
0.90%1.16%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.24%
Q3 20241.27%
Q4 20241.31%
Q1 20250.98%
Q2 20251.24%
Q3 20251.41%
Q4 20251.40%
Q1 20260.90%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$984.4M12.19%0.37%1.37%83.7%
Q1 202676$972.5M11.87%0.26%0.90%84.7%
Q4 202576$963.1M11.76%0.56%1.40%85.2%
Q3 202574$945.4M11.62%0.72%1.41%85.9%
Q2 202574$933.2M11.34%0.51%1.24%84.5%
Q1 202573$927.1M11.03%0.36%0.98%83.9%
Q4 202474$916.7M10.91%0.46%1.31%84.8%
Q3 202473$919.5M10.52%0.42%1.27%82.0%
Q2 202474$873.7M10.71%0.32%1.24%84.6%

1,341 peers · $100 million – $1 billion

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 ratio12.19%
60th
Problem loans0.37%
76th
Net charge-offs0.32%
54th
Return on assets1.37%
85th
Loans to deposits83.7%
32nd
Uninsured deposits11.4%
12th
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Fortera Federal Credit UnionCredit union Clarksville, TN78 out of 100, Strong$946.7M12.7%0.65%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Resound Credit UnionCredit union Nashville, TN67 out of 100, Moderate$704.4M10.6%0.68%vs
Consumer Credit UnionCredit union Greeneville, TN75 out of 100, Strong$660.5M10.7%0.10%vs
Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN77 out of 100, Strong$641.1M14.2%1.04%vs
U. T. Federal Credit UnionCredit union Knoxville, TN65 out of 100, Moderate$553.9M9.7%0.19%vs

Deposit insurance

Is my money safe at Enrichment Federal Credit Union?

Yes. Enrichment Federal Credit Union is a federally insured credit union (NCUA charter #6778). 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 11.4% of shares and deposits ($98.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Enrichment Federal Credit Union lists 9 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Enrichment Federal Credit Union
Type
Federal credit union
NCUA charter #
6778
RSSD ID
688387
Primary regulator
NCUA
Established
1950
Headquarters
P O Box 883, Oak Ridge, TN 37831
Employees
142

Quick answers

Enrichment Federal Credit Union: common questions

Is Enrichment Federal Credit Union NCUA insured?

Yes. Enrichment Federal Credit Union is a federally insured credit union (NCUA charter #6778). 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 Enrichment Federal Credit Union's TellerScore?

80 out of 100 (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 Enrichment Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oak Ridge

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs