# ENRICHMENT
OAK RIDGE, TN · NCUA charter 6778 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/enrichment-6778

Who the members are: federal charter, community charter, organized 1950, low-income designated. 48,359 members of 947,884 potential (5.1% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $972.5M |
| Members | 48,359 (2.4% YoY) |
| Full-time staff | 144 |
| Net worth | $115.5M |
| Net worth ratio | 11.9% (p70 of band) |
| ROA (annualized) | 0.90% (p68 of band) |
| Total delinquency | 0.26% (p17 of band) |
| Net charge-offs (annualized) | 0.37% (p45 of band) |
| Loans / shares | 85% (p60 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p37 of band) |
| Operating expense / assets | 2.60% (p12 of band) |
| Vehicles % of loans | 31% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 149% (p63 of band) |
| Vehicle delinquency | 0.44% (p37 of band) |
| Vehicle NCO | 0.94% (p55 of band) |
| Repossessed % of vehicle book | 0.13% (p71 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 33% |
| Average share balance | $6,135 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $32.4M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $32,764 |
| Loans granted, annualized | $233.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $32.4M outstanding purchased (28.0% of net worth), $1.3M sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | 3rd-party paper>100% NW |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money, margin squeeze | delinquency rising |
| 2020-06 | 2 | net worth falling | 3rd-party paper>100% NW, losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 2 | delinquency rising, 3rd-party paper>100% NW | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 3 | thin capital, delinquency rising |  |
| 2022-06 | 3 | net worth falling | delinquency rising |
| 2022-09 | 2 | delinquency rising | thin capital, net worth falling |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2008-06-03 [Enrichment hires manager and officer - Oak Ridger](https://news.google.com/rss/articles/CBMingFBVV95cUxPbC1MSUgxMDhNSGxONng4ck5kaUYxYlhlZWh0N01OYVZMcVlkUFdGY1JfYkV4U1paa0ZfTnhVZ05yYVpLVmN3aDFlV2w0ZWg2RlQtaWZKQWtnR2NZQVpzRGpmOFNYblNFVURoXzVFS0JUdmFDaDRwNGNvMGNpcHBlUk1aTmlxbXZUX1dWVEd0NTZFcHFRMzlhazFta1pMQQ?oc=5) · Oak Ridger
- 2024-10-08 [20 credit unions with largest portfolios of home equity loans - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxOd0t1Y1Y3cUdEUXRlblVRbVFqZ0lDREZER01HQXBfbWZQeUpBSkMwaDNuRFloNVZObkFWckljMmN1dTR4UUltUDBDY2lrYTR0RU9BckhFbHR4M29Yd1BhQTYzbDFNVVJUMDNYXzNLQzd0SGw3LXlQVUdPX21JN1lfSVhqNGM5QWUyMmxMcDZOUG9PcVVIRDVUZkZiRWZ1Zw?oc=5) · American Banker
- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info
- 2025-09-22 [Sherry Campbell Obituary - New Tazewell, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOEhRamt0VGZZTU42ZXRSTW0wd2tMRlRrdU9SbzVJeEw0M3hHRkh1U2xDUjY0MC1KMXhiQVFCdEl6ME9Gbm81TnVjM3dNWWdGcm01Mks4dEo1eW8wLU9MNVQwdFkwbWZHU21xYlFLZXFtUnBhenJJc1JaVW84VFo3QkJCTnktMXFmSHFV?oc=5) · Dignity Memorial
- 2020-09-30 [Anderson County man charged with robbing credit union - Oak Ridge Today](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMDRTbllvSF8tdVN4cDBQTDk1THpUdjUxUjBsaXhodzU1WG95NklKNnZ2dnRvYlVBZXp5Vy1JblQ0dlR6emhxcjBLQi1BYmdYVFdlREUyWkpqZTQyUGZQcGZtMXIwbWdiZFQxRGtTTDhnY1R1VkdjcXhiQnBsTk9EXzZJVGszc2tRRGEtQzdiUzlrblltdWc?oc=5) · Oak Ridge Today
- 2021-03-03 [Bretanie Shacole Davis Obituary Mar 3, 2021 - Evans Mortuary](https://news.google.com/rss/articles/CBMicEFVX3lxTFBJZkVoeFFib1dCS1VGeFBhclNIb3cxUkxPZW5CNlVsMmlrY3BUYWtXaDk5bTR1WkdCdDVzT20yR19sS3FsUk1yUU5SSUF2U1UxR0tqMmw5N3Q1X0NPTUdpWC1zd0lQMnMyVVdOa3dIQzk?oc=5) · Evans Mortuary
- 2016-02-18 [knoxville-credit-unions-help-pick-up-20-shoppers-grocery-tabs - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMUNCbjBoUkZ0d2R6MEJkNG1sYjdGMDVHaEJSbURORW9IM0phanhsaU1xekxGQ2RMbWVlNzFOMWhrdUp4WldpWkFpNVVHdm85VW5Fa1ppcjhKdUE5VndTNDBQR0k0M0hPUDBiR3lLS2hUeWJKc0VGdzAyVzZCdFptckJyY3lDdWdUanRsc1Fvd2RZSVdYNnlWaHdfeWtuWFdlRmxKZVdBY0YtT28xOU43dkpCZGN6bG5kdW9B?oc=5) · Knoxville News Sentinel
- 2018-04-13 [FBI, Knoxville police searching for suspect in armed credit union robbery - WVLT](https://news.google.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?oc=5) · WVLT

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6778 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "6778", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6778
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide