ENLIGHTEN
Charter #20662 · JACKSON, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,384 sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 22nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ENLIGHTEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.51M | 29th pct | 28th pct |
| Members | 1,384 | 20th pct | 18th pct |
| Net worth ratio | 13.52% | 49th pct | 44th pct |
| Return on average assets | 1.26% | 78th pct | 72th pct |
| Net interest margin | 3.98% | 57th pct | 64th pct |
| Cost of funds | 0.20% | 14th pct | 26th pct |
| Loan-to-share | 21.11% | 4th pct | 11th pct |
| Delinquency 60+ days | 0.58% | 49th pct | 54th pct |
| Net charge-off ratio | 0.00% | 23th pct | 22th pct |
| Loan growth YoY | -6.35% | 22th pct | 34th pct |
| Share growth YoY | 4.80% | 73th pct | 67th pct |
| Efficiency ratio | 73.79% | 35th pct | 41th pct |
structural peer set hash: 0fcd21837c5812036f1c19c2fd422d98… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.