Civic Intelligence

Enbright Credit Union

EIN 62-6040513 • 501(c)14 • Nashville, TN

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Profile

Credit union - to provide services for approximately 9,720 members in the form of loans, savings, and other financial services.

2340 Jackson Downs BlvdNashville, TN 37214-2372

www.enbrightcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

62nd percentile

0.89x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

14th percentile

12.18x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

18th percentile

1.4%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

31st percentile

-1.6%

Faster asset growth than 31% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

16th percentile

1.1%

Faster revenue growth than 16% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$79,287,213

Down $1,301,761 (-1.6%) from 2023

Liabilities

Down

$70,847,319

Down $1,390,700 (-1.9%) from 2023

Net Assets

Up

$8,439,894

Up $88,939 (+1.1%) from 2023

Operations
Liabilities / Revenue14th percentileNet Margin18th percentile

Revenue

Up

$5,816,940

Up $64,819 (+1.1%) from 2023

Expenses

Up

$5,736,622

Up $392,517 (+7.3%) from 2023

Net Income

Down

$80,318

Down $327,698 (-80%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2010: $50,311,237Liabilities 2010: $42,285,375Net Assets 2010: $8,025,8622010Assets 2011: $53,212,173Liabilities 2011: $44,891,789Net Assets 2011: $8,320,3842011Assets 2012: $58,277,045Liabilities 2012: $49,908,360Net Assets 2012: $8,368,6852012Assets 2013: $59,307,808Liabilities 2013: $51,007,775Net Assets 2013: $8,300,0332013Assets 2014: $60,467,647Liabilities 2014: $52,007,504Net Assets 2014: $8,460,1432014Assets 2015: $63,693,938Liabilities 2015: $55,294,469Net Assets 2015: $8,399,4692015Assets 2016: $64,263,709Liabilities 2016: $56,407,580Net Assets 2016: $7,856,1292016Assets 2017: $66,009,913Liabilities 2017: $58,120,196Net Assets 2017: $7,889,7172017Assets 2018: $65,015,104Liabilities 2018: $57,091,169Net Assets 2018: $7,923,9352018Assets 2019: $68,585,676Liabilities 2019: $60,599,664Net Assets 2019: $7,986,0122019Assets 2020: $76,182,619Liabilities 2020: $68,150,709Net Assets 2020: $8,031,9102020Assets 2021: $84,432,657Liabilities 2021: $76,148,227Net Assets 2021: $8,284,4302021Assets 2022: $85,091,786Liabilities 2022: $76,411,257Net Assets 2022: $8,680,5292022Assets 2023: $80,588,974Liabilities 2023: $72,238,019Net Assets 2023: $8,350,9552023Assets 2024: $79,287,213Liabilities 2024: $70,847,319Net Assets 2024: $8,439,8942024

Highlighted filing

2024

Assets$79,287,213
Liabilities$70,847,319
Net Assets$8,439,894
Open 2024 Filing

Operations Trend

Revenue Growth16th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,817,6362010Expenses 2011: $2,809,7532011Expenses 2012: $3,136,9172012Revenue 2013: $3,424,733Expenses 2013: $3,388,100Net Income 2013: $36,6332013Revenue 2014: $3,587,513Expenses 2014: $3,493,163Net Income 2014: $94,3502014Revenue 2015: $3,627,136Expenses 2015: $3,642,811Net Income 2015: -$15,6752015Revenue 2016: $3,849,116Expenses 2016: $4,446,665Net Income 2016: -$597,5492016Revenue 2017: $3,723,739Expenses 2017: $3,720,620Net Income 2017: $3,1192017Revenue 2018: $3,816,640Expenses 2018: $3,788,109Net Income 2018: $28,5312018Revenue 2019: $3,935,786Expenses 2019: $3,892,586Net Income 2019: $43,2002019Revenue 2020: $4,127,178Expenses 2020: $4,078,919Net Income 2020: $48,2592020Revenue 2021: $4,588,349Expenses 2021: $4,327,335Net Income 2021: $261,0142021Revenue 2022: $4,938,371Expenses 2022: $4,497,909Net Income 2022: $440,4622022Revenue 2023: $5,752,121Expenses 2023: $5,344,105Net Income 2023: $408,0162023Revenue 2024: $5,816,940Expenses 2024: $5,736,622Net Income 2024: $80,3182024

Highlighted filing

2024

Revenue$5,816,940
Expenses$5,736,622
Net Income$80,318
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$79,287,213
Liabilities
$70,847,319
Net assets
$8,439,894
Revenue
$5,816,940
Expenses
$5,736,622
Net income
$80,318
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$79.3$70.8$8.44$5.82$5.74$0.08
2023Detailed filing. Detailed filing data is available for this year.$80.6$72.2$8.35$5.75$5.34$0.41
2022Detailed filing. Detailed filing data is available for this year.$85.1$76.4$8.68$4.94$4.50$0.44
2021Detailed filing. Detailed filing data is available for this year.$84.4$76.1$8.28$4.59$4.33$0.26
2020Detailed filing. Detailed filing data is available for this year.$76.2$68.2$8.03$4.13$4.08$0.05
2019Detailed filing. Detailed filing data is available for this year.$68.6$60.6$7.99$3.94$3.89$0.04
2018Summary only. Only limited summary data is available for this year.$65.0$57.1$7.92$3.82$3.79$0.03
2017Detailed filing. Detailed filing data is available for this year.$66.0$58.1$7.89$3.72$3.72$0.00
2016Detailed filing. Detailed filing data is available for this year.$64.3$56.4$7.86$3.85$4.45$0.60
2015Detailed filing. Detailed filing data is available for this year.$63.7$55.3$8.40$3.63$3.64$0.02
2014Detailed filing. Detailed filing data is available for this year.$60.5$52.0$8.46$3.59$3.49$0.09
2013Detailed filing. Detailed filing data is available for this year.$59.3$51.0$8.30$3.42$3.39$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.3$49.9$8.37$3.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.2$44.9$8.32$2.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.3$42.3$8.03$2.82
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.0
Gross Receipts
$5,816,940
Mission and Program Overview

Mission

Credit union - to provide services for approximately 8,239 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$61,564,884$54,364,212▼ $7,200,672
Cash and Non-Interest-Bearing Accounts$647,754$8,900,726▲ $8,252,972
Rtn Earn Endowment Incm Other Fnds$5,195,290$5,670,761▲ $475,471
Prepaid Expenses and Deferred Charges$4,493,264$4,475,370▼ $17,894
Land, Buildings, and Equipment, Net$3,759,027$3,670,796▼ $88,231
Investments Other Securities$1,347,987$3,335,102▲ $1,987,115
Savings and Temporary Cash Investments$7,729,826$3,238,000▼ $4,491,826
Cap Stk Tr Prin Current Funds$3,155,665$2,769,133▼ $386,532
Total Assets$80,588,974$79,287,213▼ $1,301,761
Other Assets Total$1,046,232$1,303,007▲ $256,775
Liabilities
Other Liabilities$69,750,288$68,436,821▼ $1,313,467
Accounts Payable and Accrued Expenses$2,487,731$2,410,498▼ $77,233
Total Liabilities$72,238,019$70,847,319▼ $1,390,700
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,350,955$8,439,894▲ $88,939
Total Liabilities and Net Assets / Fund Balance$80,588,974$79,287,213▼ $1,301,761

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,454,139$618,802$2,072,941
Land$2,070,888-$2,070,888
Equipment$137,158$586,061$723,219
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron SmithPresident/ceFT$192,090$48,730$240,820
Ron SmithPresident/CEO-$183,575$57,245$240,820
Bethany RogersControllerFT$137,773$50,244$188,017
Ken DubrayVP Mem Exp/eFT$137,468$31,856$169,324
Ken DubrayVP Mem Exp/engagemen-$132,268$37,056$169,324
Sharhonda KinnardVP StrategyFT$94,304$16,255$110,559
Harry Randy Gregory JrBoard Member-$2,189-$2,189
Kent CochranBoard Secret-$1,992-$1,992
David MurrayBoard Member-$1,448-$1,448
John BroadwayBoard Treasu-$1,247-$1,247
Gary MurrayBoard Vice C-$1,194-$1,194

Board Members and Trustees

NameTitle
Dickie JohnsonBoard Chairm
Kevin WalkerBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,840,930
Investment Income
$367,900
Other Revenue
$608,110
Change in Net Assets
$80,318
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,692,041
Salaries, Compensation, and Employee Benefits$2,044,581
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$1,594,736-$1,594,736
Office Expenses-$1,404,805-$1,404,805
Interest-$1,354,635-$1,354,635
Other Employee Benefits-$282,301-$282,301
Occupancy-$208,094-$208,094
Payroll Taxes-$114,012-$114,012
Conferences and Meetings-$66,817-$66,817
All Other Expenses-$65,703-$65,703
Other Expenses-$57,298-$57,298
Pension Plan Contributions-$53,532-$53,532
Total Functional Expenses$0$5,736,622$0$5,736,622
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares$33,997,797
Regular Shares$24,331,543
Share Drafts$10,107,481
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“A draft of form 990 is provided to the controller. The controller reviews the return and forwards the form 990 to the president/ceo. The form 990 is reviewed by the president/ceo and forwarded to the board of directors for a final review via e-mail. Any questions or comments of the board members are sumitted to the president. Confirmation of the review by the board of directors will be documented in the minutes of the next board of directors meeting.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The ceo compensation is reviewed by the board of directors and comparisons provided by comp ease.”

Form 990, Page 6, Part VI, Line 15B

“The ceo reviews the compensation of all other employees with comparsions provided by comp ease.”

Form 990, Page 6, Part VI, Line 19

“The financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Enbright Credit Union
EIN
62-6040513
Phone
6156874801
Address
2340 JACKSON DOWNS BLVD, NASHVILLE, TN 37214-2372

Signing Officer

Name
Ron Smith
Title
President/CEO
Phone
6156874801
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ron Smith
Formed
1951
Legal Domicile
Tn
Voting Board Members
7
Independent Board Members
7
Employees
35
Volunteers
9

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union did not have more than 1,000 in unrealted income.”

Form 990, Part XI, Line 9

“ACCT ADJ - CECL 0”

Raw XML AppendixShowing 400 of 420 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/OtherExpensesGrp/Desc3MISC OPERATING EXP
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04475370
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05670761
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0618802
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210107481
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990ScheduleD/TotalLiabilityAmt068436821
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IRS990ScheduleJ/CompensationCommitteeInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1132268
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2137773
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount08515
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15200
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount28583
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt048730
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt131856
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt241661
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RON SMITH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEN DUBRAY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2BETHANY ROGERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP MEM EXP/ENGAGEMEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CONTROLLER
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1169324
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2188017
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DID NOT HAVE MORE THAN 1,000 IN UNREALTED INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A DRAFT OF FORM 990 IS PROVIDED TO THE CONTROLLER. THE CONTROLLER REVIEWS THE RETURN AND FORWARDS THE FORM 990 TO THE PRESIDENT/CEO. THE FORM 990 IS REVIEWED BY THE PRESIDENT/CEO AND FORWARDED TO THE BOARD OF DIRECTORS FOR A FINAL REVIEW VIA E-MAIL. ANY QUESTIONS OR COMMENTS OF THE BOARD MEMBERS ARE SUMITTED TO THE PRESIDENT. CONFIRMATION OF THE REVIEW BY THE BOARD OF DIRECTORS WILL BE DOCUMENTED IN THE MINUTES OF THE NEXT BOARD OF DIRECTORS MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CEO COMPENSATION IS REVIEWED BY THE BOARD OF DIRECTORS AND COMPARISONS PROVIDED BY COMP EASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE CEO REVIEWS THE COMPENSATION OF ALL OTHER EMPLOYEES WITH COMPARSIONS PROVIDED BY COMP EASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ACCT ADJ - CECL 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt05736622
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RON SMITH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06156874801
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ENBRIGHT CREDIT UNION
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