BRIGHTSTAR

Charter #67347 | FL

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in FL

BRIGHTSTAR has 14 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.9% in tier
  • + Relationship Depth Leader: Top 2.4% in tier
  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Assets: Top 0.0% in tier
  • + Total Loans: Top 0.9% in tier
  • + AMR Growth Rate: Top 2.7% in tier
  • + Asset Growth Rate: Top 6.2% in tier
  • + Deposit Growth Rate: Top 6.2% in tier
  • + Loan Growth Rate: Top 7.1% in tier
  • + First Mortgage Concentration (%): Top 7.1% in tier
  • + Total Deposits: Top 8.0% in tier
  • + Loan-to-Share Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.2% in tier
  • - Growth-at-Risk: Bottom 7.9% in tier
  • - Credit Quality Pressure: Bottom 19.5% in tier
  • - Stagnation Risk: Bottom 22.1% in tier
  • - Membership Headwinds: Bottom 32.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 59,314
-0.6% YoY-0.6% QoQ
 +7.2K 52,114
-2.1% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $994.4M
+12.7% YoY+3.4% QoQ
 +$135.4M $859.0M
+0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 0.9% in tier
Loans $842.9M
+15.4% YoY+4.5% QoQ
 +$239.5M $603.4M
+1.0% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 1.8% in tier
Deposits $853.3M
+11.7% YoY+3.4% QoQ
 +$119.1M $734.2M
+0.9% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 8.9% in tier
ROA 0.8%
-4.8% YoY+1.6% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 3.4%
+7.6% YoY+0.5% QoQ
 +0.1% 3.4%
+9.6% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 71.9%
-2.7% YoY-0.3% QoQ
 -2.6% 74.5%
-3.2% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 34th in tier
Delinquency Rate 0.5%
+23.7% YoY-6.4% QoQ
 -0.3 0.8%
+5.0% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 98.8%
+3.3% YoY+1.1% QoQ
 +16.1% 82.7%
+0.1% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 10.7% in tier
AMR $28,596
+14.2% YoY+4.6% QoQ
 $-54 $28,651
+2.5% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 32.0%
-2.9% YoY-2.0% QoQ
 +7.6% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Top 23.7% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#53 of 1006 • Top 1.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 14.16%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#68 of 1006 • Top 2.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 14.16%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#18 of 258 • Bottom 2.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.78%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 15.38%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

risk
#119 of 446 • Bottom 7.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 15.38%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY

Credit Quality Pressure

risk
#482 of 736 • Bottom 19.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk
#364 of 550 • Bottom 22.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.76%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 31.98%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#538 of 550 • Bottom 32.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
1
Total Assets
balance_sheet
Value: $994.40M
Peer Avg: $859.01M
#1 of 112 Top 0.0% in 750M-1B tier
2
Total Loans
balance_sheet
Value: $842.86M
Peer Avg: $603.36M
#2 of 112 Top 0.9% in 750M-1B tier
4
AMR Growth Rate
growth
Value: 14.16%
Peer Avg: 4.90%
#4 of 112 Top 2.7% in 750M-1B tier
8
Asset Growth Rate
growth
Value: 12.70%
Peer Avg: 4.25%
#8 of 112 Top 6.2% in 750M-1B tier
8
Deposit Growth Rate
growth
Value: 11.69%
Peer Avg: 5.03%
#8 of 112 Top 6.2% in 750M-1B tier
9
Loan Growth Rate
growth
Value: 15.38%
Peer Avg: 4.84%
#9 of 112 Top 7.1% in 750M-1B tier
9
First Mortgage Concentration (%)
balance_sheet
Value: 12.90%
Peer Avg: 33.64%
#9 of 112 Top 7.1% in 750M-1B tier
10
Total Deposits
balance_sheet
Value: $853.30M
Peer Avg: $734.17M
#10 of 112 Top 8.0% in 750M-1B tier
12
Loan-to-Share Ratio
balance_sheet
Value: 98.78%
Peer Avg: 82.66%
#12 of 112 Top 9.8% in 750M-1B tier

Top Weaknesses (1 metrics)

91
Net Worth Ratio
risk
Value: 9.12%
Peer Avg: 11.52%
#91 of 112 Bottom 19.6% in 750M-1B tier