ENBRIGHT
Charter #68148 · Nashville, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.03% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.54% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.27% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.86% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 39th — a 39-point gap showing why the peer definition matters.
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 | ENBRIGHT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.91M | 66th pct | 54th pct |
| Members | 6,866 | 78th pct | 39th pct |
| Net worth ratio | 10.88% | 29th pct | 39th pct |
| Return on average assets | 0.03% | 14th pct | 7th pct |
| Net interest margin | 4.25% | 79th pct | 61th pct |
| Cost of funds | 1.54% | 82th pct | 82th pct |
| Loan-to-share | 66.68% | 60th pct | 44th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 33th pct |
| Net charge-off ratio | 1.27% | 93th pct | 84th pct |
| Loan growth YoY | -9.19% | 3th pct | 2th pct |
| Share growth YoY | 3.43% | 59th pct | 48th pct |
| Efficiency ratio | 87.86% | 75th pct | 84th pct |
structural peer set hash: 2cc1028ecb9019061ee4e9ee3ebd0463… (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.