Enrichment

OAK RIDGE, TN · 1 · Charter #6778 · www.enrichmentfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$963.1M
98th percentile
Members
48,272
86th percentile
Total loans
$721.4M
97th percentile
Total shares
$846.3M
99th percentile

Profitability

Return on assets
1.65%
87th percentile
Net interest margin
3.26%
36th percentile
Efficiency ratio
46.07%
90th percentile
Non-interest income ratio
18.19%
44th percentile

Capital & Risk

Net worth ratio
11.76%
63th percentile
Delinquency rate
0.56%
64th percentile
Net charge-off rate
0.26%
69th percentile
Loan-to-share
85.25%
62th percentile

Growth

Member growth YoY
2.82%
75th percentile
Asset growth YoY
5.07%
49th percentile
Loan growth YoY
4.67%
54th percentile
Share growth YoY
4.10%
45th percentile

Operations

Members / branch
5,364
63th percentile
Assets / member
$19,952
75th percentile
Field of membership penetration
5.09%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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