Enlighten
Jackson, TN · Charter 20662 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$16.8MAssets
$2.9MLoans
$14.3MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 69% of credit unions under $1B in assets (rank 521 of 1683).
- Widest gap: nonperforming loans / loans trails 51% of credit unions under $1B in assets (rank 866 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.07%
Rank 521 of 1,683
Net Interest Margin
4.03%
Rank 648 of 1,683
Efficiency Ratio
76.54%
Rank 754 of 1,682
Equity / Assets
14.28%
Rank 630 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 521 / 1,683 | |
| Return on Equity | 7.49% | 2.67% | 5.89% | 8.74% | Beats 65% | 586 / 1,681 | |
| Net Interest Margin | 4.03% | 3.31% | 3.82% | 4.32% | Beats 61% | 648 / 1,683 | |
| Efficiency Ratio | 76.54% | 68.91% | 78.20% | 86.93% | Beats 55% | 754 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 49% | 866 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.28% | 10.44% | 12.89% | 16.53% | Beats 63% | 630 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.28% | 10.44% | 12.89% | 16.53% | Beats 63% | 630 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 20.34% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,650 / 1,683 | |
| Loans / Assets | 17.32% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,646 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |