BlastPoint's Credit Union Scorecard
BRIGHTSTAR
Charter #67347 · FL
BRIGHTSTAR has 7 strengths but faces 4 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
- + Wallet Share Momentum: Top 11.8% in tier
- + Organic Growth Engine: Top 68.8% in tier
- + Organic Growth Leader: Top 68.8% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.29% above tier average
- + First Mortgage Concentration (%): Top 3.7% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11.5% in tier
- - Efficiency ratio 0.66% above tier (higher cost structure)
- - Total Deposits: Bottom 6.3% in tier
- - Total Assets: Bottom 7.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 18 that size in Florida.
- Shares and deposits +7.2% year over year ($884M in shares and deposits).
- Membership: 59,988 members, +0.5% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.94%.
- Efficiency ratio 73.68% vs a 73.02% peer average.
- Loan-to-share ratio 102.15% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,988
+0.5% YoY+1.1% QoQ
|
-36.9K |
96,861
-1.9% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Bottom 13.7% in tier |
| Assets |
$1.1B
+9.5% YoY+4.0% QoQ
|
$-670.8M |
$1.7B
+0.4% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.7% in tier |
| Loans |
$903.1M
+12.0% YoY+1.9% QoQ
|
$-331.2M |
$1.2B
+0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$884.1M
+7.2% YoY+4.1% QoQ
|
$-579.3M |
$1.5B
+0.5% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.0% in tier |
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| ROA |
0.9%
+25.4% YoY+98.7% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
3.7%
+8.4% YoY+1.9% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
73.7%
+2.2% YoY-10.8% QoQ
|
+0.7% |
73.0%
-2.7% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.5%
-11.2% YoY+2.6% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
102.2%
+4.5% YoY-2.1% QoQ
|
+17.4% |
84.7%
+0.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Top 10.0% in tier |
| AMR |
$29,792
+9.0% YoY+1.9% QoQ
|
+$217 |
$29,575
+1.5% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
31.2%
-4.5% YoY+2.5% QoQ
|
+2.1% | 29.1% | 24.7% | 20.0% | 62% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 10.8% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)