BlastPoint's Credit Union Scorecard

BRIGHTSTAR

Charter #67347 · FL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 17 in FL

View Mid-Market leaderboard →

BRIGHTSTAR has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 9.7% in tier
+ Net Interest Margin 0.29% above tier average
+ Loan-to-Share Ratio: Top 3.3% in tier
+ First Mortgage Concentration (%): Top 3.9% in tier
+ Loan Growth Rate: Top 7.2% in tier
+ AMR Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.7% in tier
- Credit Risk Growth: Bottom 7.6% in tier
- Efficiency Drag: Bottom 17.2% in tier
- Credit Quality Pressure: Bottom 27.9% in tier
- Membership Headwinds: Bottom 79.7% in tier
- Stagnation Risk: Bottom 79.7% in tier
- ROA 0.24% below tier average
- Efficiency ratio 7.92% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	59,360 -1.0% YoY+0.6% QoQ	-36.7K	96,048 -2.7% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Bottom 13.4% in tier
Assets	$1.0B +6.7% YoY+2.0% QoQ	$-707.1M	$1.7B +0.4% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	Bottom 2.0% in tier
Loans	$886.0M +15.4% YoY+4.8% QoQ	$-327.7M	$1.2B +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	26%
Deposits	$849.3M +3.4% YoY+0.1% QoQ	$-616.3M	$1.5B +0.5% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	Bottom 1.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -22.2% YoY-35.2% QoQ	-0.2%	0.7% +27.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	28%
NIM	3.6% +7.8% YoY+4.9% QoQ	+0.3%	3.4% +6.2% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	69%
Efficiency Ratio	82.6% +10.1% YoY+13.5% QoQ	+7.9%	74.6% -3.0% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.5% +33.0% YoY-26.3% QoQ	-0.3	0.8% +6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	37%
Loan To Share	104.3% +11.6% YoY+4.7% QoQ	+21.1%	83.2% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	Top 3.6% in tier
AMR	$29,234 +10.3% YoY+1.8% QoQ	$-418	$29,652 +2.3% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	57%
CD Concentration	30.4% -6.7% YoY-3.0% QoQ	+1.6%	28.8%	24.4%	19.8%	58%
Indirect Auto %	0.0%	-18.1%	18.1%	10.8%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#37 of 125 • Top 9.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.27%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Concerns (6)

Liquidity Strain

risk

#4 of 148 • Bottom 4.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 104.33%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 15.39%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#27 of 183 • Bottom 7.6% in tier

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

Why This Signature

Loan Growth (YoY): 15.39%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Efficiency Drag

risk

#39 of 100 • Bottom 17.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.56%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.97%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#106 of 225 • Bottom 27.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Membership Headwinds

decline

#78 of 91 • Bottom 79.7% in tier

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

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#89 of 91 • Bottom 79.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 15.39%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.51%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 104.33%

Peer Median: 85.31%

#11 of 306 Top 3.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 12.14%

Peer Median: 33.05%

#13 of 306 Top 3.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 15.39%

Peer Median: 5.67%

#23 of 306 Top 7.2% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.27%

Peer Median: 3.15%

#31 of 306 Top 9.8% in 1B-3B tier

Top Weaknesses (6 metrics)

301

Total Deposits

balance_sheet

Value: $849.28M

Peer Median: $1.31B

#301 of 306 Bottom 2.0% in 1B-3B tier

300

Total Assets

balance_sheet

Value: $1.01B

Peer Median: $1.51B

#300 of 306 Bottom 2.3% in 1B-3B tier

265

Total Members

engagement

Value: 59,360

Peer Median: 85,918

#265 of 306 Bottom 13.7% in 1B-3B tier

261

Net Worth Ratio

risk

Value: 9.06%

Peer Median: 10.85%

#261 of 306 Bottom 15.0% in 1B-3B tier

248

Efficiency Ratio

profitability

Value: 82.56%

Peer Median: 75.16%

#248 of 306 Bottom 19.3% in 1B-3B tier

238

Member Growth Rate

growth

Value: -0.97%

Peer Median: 2.03%

#238 of 306 Bottom 22.5% in 1B-3B tier