BlastPoint's Credit Union Scorecard
BRIGHTSTAR
Charter #67347 · FL
BRIGHTSTAR has 10 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.5% in tier
- + Wallet Share Momentum: Top 24.0% in tier
- + Net Interest Margin 0.08% above tier average
- + Total Loans: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 1.7% in tier
- + First Mortgage Concentration (%): Top 6.0% in tier
- + Loan-to-Share Ratio: Top 6.8% in tier
- + Total Deposits: Top 7.7% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.5% in tier
- - Credit Risk Growth: Bottom 11.9% in tier
- - Credit Quality Pressure: Bottom 33.2% in tier
- - Membership Headwinds: Bottom 89.7% in tier
- - Stagnation Risk: Bottom 96.2% in tier
- - ROA 0.01% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,035
-0.9% YoY-0.5% QoQ
|
+7.0K |
52,084
-1.6% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$992.7M
+9.4% YoY-0.2% QoQ
|
+$128.8M |
$863.9M
+0.5% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 2.6% in tier |
| Loans |
$845.8M
+11.5% YoY+0.3% QoQ
|
+$240.0M |
$605.8M
+1.4% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 0.9% in tier |
| Deposits |
$848.8M
+8.1% YoY-0.5% QoQ
|
+$111.5M |
$737.3M
+0.1% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.5% in tier |
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| ROA |
0.7%
-4.8% YoY-4.1% QoQ
|
-0.0% |
0.7%
+39.1% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.5%
+8.2% YoY+0.9% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
72.8%
-1.3% YoY+1.2% QoQ
|
-1.6% |
74.3%
-3.6% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.7%
+85.6% YoY+25.3% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
99.6%
+3.1% YoY+0.9% QoQ
|
+17.1% |
82.6%
+1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Top 7.7% in tier |
| AMR |
$28,706
+10.7% YoY+0.4% QoQ
|
$-168 |
$28,873
+2.7% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
31.4%
-2.2% YoY-1.9% QoQ
|
+6.9% | 24.4% | 24.1% | 19.8% | 75% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)