2024-05-15T14:01:02-04:00 2023-12-31 202711127 CU AUDIT & COMPLIANCE GROUP 3692 COOLIDGE CT TALLAHASSEE FL 323117890 990 2023-01-01 626040513 ENBRIGHT CREDIT UNION ENBR 6156874801 2340 JACKSON DOWNS BLVD NASHVILLE TN 372142372 RON SMITH PRESIDENT/CEO 6156874801 2024-05-15 true RON SMITH 990009999 false AMANDA ONKST P02387288 2054372176 2024-05-15 2023 2023-04-26 12:10:37Z RON SMITH 2340 JACKSON DOWNS BLVD NASHVILLE TN 372142372 5752121 false X WWW.ENBRIGHTCU.COM X CREDIT UNION 1951 TN CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. 7 7 35 9 0 0 3931274 4587412 87509 222805 919588 941904 4938371 5752121 0 0 1893168 2067703 0 0 2604741 3276402 4497909 5344105 440462 408016 85091786 80588974 76411257 72238019 8680529 8350955 CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 9,720 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. false false 4503238 THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. 840867 THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. 5344105 false false false false false false false false false true false false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true X 1238 0 true 35 true false false false false false false false false X 7 7 false false false false true true true true true false true true false true true true true true true true false TN X BETHANY ROGERS 6156874801 2340 JACKSON DOWNS BLVD NASHVILLE TN 372142372 RON SMITH PRESIDENT/CE 40.00 X 184773 0 46405 DICKIE JOHNSON BOARD CHAIRM 1.00 X 0 0 0 GARY MURRAY BOARD VICE C 1.00 X 0 0 0 KENT COCHRAN BOARD SECRET 1.00 X 0 0 0 JOHN BROADWAY BOARD TREASU 1.00 X 0 0 0 HARRY RANDY GREGORY JR BOARD MEMBER 1.00 X 0 0 0 DAVID MURRAY BOARD MEMBER 1.00 X 0 0 0 KEVIN WALKER BOARD MEMBER 1.00 X 0 0 0 CHAD JONES JR BOARD ASS 1.00 X 0 0 0 NANCY SMITH JR BOARD ASS 1.00 X 0 0 0 184773 46405 3 false true false INTEREST ON LOANS 522291 4030167 4030167 FEE INCOME 522100 557245 557245 4587412 222805 222805 OTHER OPERATING INCOME 525990 845533 845533 OTHER NON-INTEREST INCOME 525990 97164 97164 DISPOSTION OF FIXED ASSETS 525990 -793 -793 941904 5752121 5752121 1648848 1648848 48395 48395 250117 250117 120343 120343 1395127 1395127 214526 214526 87883 87883 841560 841560 PROVISION FOR LOAN LOSS 233000 233000 PROF AND OUTSIDE SERVICES 208413 208413 LOAN SERVICING EXP 114975 114975 EDUCATIONAL & PROMO 97169 97169 83749 83749 5344105 0 5344105 0 4549751 647754 3619000 7729826 64997258 61564884 4760599 4493264 4838047 1079020 3796117 3759027 2316872 1347987 1052189 1046232 85091786 80588974 2664278 2487731 73746979 69750288 76411257 72238019 X 2671318 3155665 6009211 5195290 8680529 8350955 85091786 80588974 X 408016 31115 -768705 X false false 2070888 2070888 2069791 566169 1503622 672990 512851 160139 3734649 ALL OTHER SHARES 34140628 REGULAR SHARES 26269542 SHARE DRAFTS 9340118 69750288 false false false RON SMITH PRESIDENT/CEO 173458 11315 46405 231178 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, 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. FORM 990, PART XI, LINE 9 ACCT ADJ - CECL -768,705