Sep, 30, 2025 — ENRICHMENT FEDERAL CREDIT UNION is a federal credit union headquartered in OAK RIDGE, TN with 9 branch locations and about $945.45 million in total assets. Opened 76 years ago in 1950, ENRICHMENT FEDERAL CREDIT UNION has about 48,224 members and employs 139 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ENRICHMENT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 201 S ILLINOIS AVE OAK RIDGE, TN 37830 |
| Phone: | (865) 482-0045 |
| Fax: | (865) 482-6059 |
| Website: | https://www.enrichmentfcu.org |
| Branches: | 9 branch locations |
| Members: | 48,224 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6778 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Sep 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $945,447,055 |
| CEO/Manager: | James M Hayes |
| Chairperson: | RICHARD N BENSON |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 150,275,021 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 410,462,186 |
| Unsecured Loans | 17,029,128 |
| Other Loans | 256,676,376 |
| TOTAL LOANS | 713,984,138 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,583,000 |
| Land And Building | 15,363,774 |
| Other Fixed Assets | 2,362,071 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 7,333,089 |
| All Other Assets | 156,047 |
| TOTAL ASSETS | 945,447,055 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 4,743,409 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 151,237,512 |
| Regular shares | 229,755,094 |
| All Other Shares & Deposits | 450,021,534 |
| TOTAL SHARES & DEPOSITS | 831,014,140 |
| TOTAL LIABILITIES | 835,757,549 |
| Regular Reserve | 0 |
| Other Reserves | 35,535 |
| Undivided Earnings | 109,653,971 |
| TOTAL EQUITY | 109,689,506 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 945,447,055 |
| INCOME & EXPENSE | |
| Loan Income | 28,068,866 |
| Investment Income | 5,402,475 |
| Other Income | 1,442,370 |
| Total Employee Compensation & Benefits | 10,208,667 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 9,131,801 |
| Non-operating Income & (Expense) | 460,904 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,454,824 |
| Cost of Funds | 10,417,899 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 10,012,836 |
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