Credit union · NCUA insured
Enbright Credit Union
A $78.9M credit union headquartered in Nashville, TN, with 6,866 members and 3 branches in Tennessee.
Enbright Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#14 of 44 in Nashville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Enbright Credit Union
Founded in 1951 as Electric Service Credit Union and chartered by Tennessee that same year, Enbright Credit Union rebranded under its current name in 2018.
The member-owned institution serves more than 8,000 members across Middle Tennessee.
- Headquarters
- 2340 Jackson Downs Blvd, Nashville, TN 37214
- NCUA charter
- 68148
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Davidson, Rutherford, or Sumner Counties is eligible to open an account.
- Individuals who live, work, worship, or attend school in Davidson or Sumner Counties in Middle Tennessee are eligible for membership.
- Anyone who lives, works, or worships in Robertson or Cheatham Counties is eligible to open an account.
Employers and groups
- Employees of Nashville Electric Service are eligible for membership.
Family and household
- Family members of Nashville Electric Service employees are eligible for membership.
Cost to join
- A one-time fee of $1 is required to join.
- A minimum balance deposit of $25 in a Primary Savings Account is required to join.
Branches
3 branches in Tennessee
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Tennessee
3 branches
- Enbright Credit Union Indian Lake Branch270 Indian Lake Blvd, Hendersonville, TN 37075Directions
- Donelson Branch2340 Jackson Downs Blvd, Nashville, TN 37214Directions
- Enbright Credit Union Downtown1214 Church St Ste 100, Nashville, TN 37246Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.44% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.07% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $64 | $59 | — |
- CapitalNet worth ratio10.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.44%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.07%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$64Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Enbright Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.