Civic Intelligence

Electric Service Credit Union

990 • Fiscal year 2020 • EIN 62-6040513

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 16, 2021

Organization ProfileWWW.ENBRIGHTCU.COM

View Organization Page

2340 Jackson Downs BlvdNashville, TN 37214-2372

(615) 687-4801

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

55th percentile

0.89x

Higher debt load relative to assets than 55% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

20th percentile

16.51x

Higher debt load relative to revenue than 20% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

18th percentile

1.2%

Higher net margin than 18% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

76th percentile

$188,837

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

23rd percentile

11%

Faster asset growth than 23% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

85th percentile

4.9%

Faster revenue growth than 85% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$76,182,619

Up $7,596,943 (+11%) from 2019

Net Assets

Up

$8,031,910

Up $45,898 (+0.6%) from 2019

Liabilities

Up

$68,150,709

Up $7,551,045 (+12%) from 2019

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin18th percentile

Revenue

Up

$4,127,178

Up $191,392 (+4.9%) from 2019

Expenses

Up

$4,078,919

Up $186,333 (+4.8%) from 2019

Net Income

Up

$48,259

Up $5,059 (+12%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2020

Assets$76,182,619
Liabilities$68,150,709
Net Assets$8,031,910
Open 2020 Filing

Operations Trend

Revenue Growth85th percentile

Revenue, expenses, and net income across loaded years, with this 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

2020

Revenue$4,127,178
Expenses$4,078,919
Net Income$48,259
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 16, 2021
Return Version
2020v4.0
Gross Receipts
$4,127,178
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$40,411,943$49,678,281▲ $9,266,338
Cash and Non-Interest-Bearing Accounts$3,643,704$9,837,827▲ $6,194,123
Prepaid Expenses and Deferred Charges$2,903,327$5,456,323▲ $2,552,996
Rtn Earn Endowment Incm Other Fnds$5,314,693$5,360,591▲ $45,898
Investments Other Securities$5,624,658$5,195,831▼ $428,827
Land, Buildings, and Equipment, Net$3,829,509$3,761,150▼ $68,359
Cap Stk Tr Prin Current Funds$2,671,319$2,671,319→ $0
Other Notes and Loans Receivable, Net$2,000,000--
Savings and Temporary Cash Investments$7,107,444$1,359,260▼ $5,748,184
Total Assets$68,585,676$76,182,619▲ $7,596,943
Other Assets Total$3,065,091$893,947▼ $2,171,144
Liabilities
Other Liabilities$58,930,176$65,723,863▲ $6,793,687
Accounts Payable and Accrued Expenses$1,669,488$2,426,846▲ $757,358
Total Liabilities$60,599,664$68,150,709▲ $7,551,045
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,986,012$8,031,910▲ $45,898
Total Liabilities and Net Assets / Fund Balance$68,585,676$76,182,619▲ $7,596,943

Asset Categories

AssetBook ValueDepreciationBasis
Land$2,070,888-$2,070,888
Buildings$1,572,865$408,934$1,981,799
Equipment$117,397$601,575$718,972
Leasehold Improvements-$9,355$9,355
Other Securities$359,657--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron SmithPresidentFT$144,776$44,061$188,837
Bethany RogersControllerFT$115,761$40,449$156,210
Ken DubrayVice-presideFT$114,112$37,960$152,072
Ken DubrayVice-president-$106,400$45,672$152,072

Board Members and Trustees

NameTitle
Dickie JohnsonChairman
Gary MurrayVice Chairma
David MurrayBoard Member
Harry Randy Gregory JrBoard Member
Kevin WalkerBoard Member
Chad JonesJr Board Ass
Nancy PoindexterJr Board Ass
Kent CochranSecretary
John BroadwayTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,378,211
Investment Income
$116,504
Other Revenue
$632,463
Change in Net Assets
$48,259

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,127,178
Total Revenue per Audited Statements
$4,127,178
Total Revenue per Form 990
$4,127,178
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,448,507
Salaries, Compensation, and Employee Benefits$1,630,412
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$1,256,570-$1,256,570
Office Expenses-$1,091,377-$1,091,377
Interest-$418,835-$418,835
Other Employee Benefits-$246,486-$246,486
Occupancy-$212,705-$212,705
Payroll Taxes-$99,784-$99,784
All Other Expenses-$57,599-$57,599
Other Expenses-$47,780-$47,780
Conferences and Meetings-$30,477-$30,477
Pension Plan Contributions-$27,572-$27,572
Total Functional Expenses$0$4,078,919$0$4,078,919

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,078,919
Total Expenses per Audited Statements$4,078,919
Total Expenses per Form 990$4,078,919
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$29,409,043
Regular Shares$26,027,113
Share Drafts$10,287,707
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Phone
6156874801
Signed
2021-04-16
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
27
Volunteers
9

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Marcus King
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 had no unrelated business income.”

Form 990, Part XI, Line 9

“DUE TO ROUNDING 0”

Raw XML AppendixShowing 400 of 425 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.

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IRS990/OtherExpensesGrp/TotalAmt1114699
IRS990/OtherExpensesGrp/TotalAmt2110021
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1151513
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2-13000
IRS990/OtherRevenueTotalAmt0632463
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt01256570
IRS990/OtherSalariesAndWagesGrp/TotalAmt01256570
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02000000
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt099784
IRS990/PayrollTaxesGrp/TotalAmt099784
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt027572
IRS990/PensionPlanContributionsGrp/TotalAmt027572
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02903327
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05456323
IRS990/PrincipalOfficerNm0RON SMITH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1457513
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02920698
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1457513
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0418835
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0219047
IRS990/PYOtherExpensesAmt02305480
IRS990/PYOtherRevenueAmt0674655
IRS990/PYProgramServiceRevenueAmt03042084
IRS990/PYRevenuesLessExpensesAmt043200
IRS990/PYSalariesCompEmpBnftPaidAmt01587106
IRS990/PYTotalExpensesAmt03892586
IRS990/PYTotalRevenueAmt03935786
IRS990/ReconcilationRevenueExpnssAmt048259
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05314693
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05360591
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07107444
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01359260
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01572865
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0408934
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01981799
IRS990ScheduleD/EquipmentGrp/BookValueAmt0117397
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0601575
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0718972
IRS990ScheduleD/ExpensesSubtotalAmt04078919
IRS990ScheduleD/LandGrp/BookValueAmt02070888
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02070888
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt09355
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt09355
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029409043
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt126027113
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt210287707
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04836174
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1359657
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL-VCCU
IRS990ScheduleD/RevenueSubtotalAmt04127178
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03761150
IRS990ScheduleD/TotalBookValueSecuritiesAmt05195831
IRS990ScheduleD/TotalExpensesPerForm990Amt04078919
IRS990ScheduleD/TotalLiabilityAmt065723863
IRS990ScheduleD/TotalRevenuePerForm990Amt04127178
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04127178
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04078919
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0144776
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1106400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2115761
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount07712
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount17712
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount27712
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt036349
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt137960
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt232737
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0RON SMITH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KEN DUBRAY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2BETHANY ROGERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VICE-PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CONTROLLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0188837
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1152072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2156210
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS 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/ExplanationTxt10DUE TO ROUNDING 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/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt068585676
IRS990/TotalAssetsEOYAmt076182619
IRS990/TotalAssetsGrp/BOYAmt068585676
IRS990/TotalAssetsGrp/EOYAmt076182619
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt027
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt04078919
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt04078919
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt060599664
IRS990/TotalLiabilitiesEOYAmt068150709
IRS990/TotalLiabilitiesGrp/BOYAmt060599664
IRS990/TotalLiabilitiesGrp/EOYAmt068150709
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07986012
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08031910
IRS990/TotalOtherCompensationAmt0107046
IRS990/TotalProgramServiceExpensesAmt04078919
IRS990/TotalProgramServiceRevenueAmt03378211
IRS990/TotalReportableCompFromOrgAmt0390073
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04127178
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04127178
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt068585676
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt076182619
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02340 JACKSON DOWNS BLVD
IRS990/USAddress/CityNm0NASHVILLE
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd0372142372
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ENBRIGHTCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RON SMITH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$76,182,619
Liabilities
$68,150,709
Net assets
$8,031,910
Revenue
$4,127,178
Expenses
$4,078,919
Net income
$48,259
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