BlastPoint's Credit Union Scorecard

BRIGHTSTAR

Charter #67347 · FL

Community 750M-1B

112 CUs in 750M-1B nationally 5 in FL

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BRIGHTSTAR has 14 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 5.5% in tier
+ Wallet Share Momentum: Top 10.8% 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
- Credit Risk Growth: 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	66%
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

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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	0.8% -4.8% YoY+1.6% QoQ	+0.1%	0.7% +27.6% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	56%
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	54%
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	34%
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	36%
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	60%
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	76%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#15 of 257 • Top 5.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#53 of 481 • Top 10.8% in tier

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

Why This Signature

AMR Growth (YoY): 14.16%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 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: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

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: 3.65%, 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

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

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk

#364 of 550 • Bottom 22.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 15.38%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.55%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

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

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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 112 Top 0.0% in 750M-1B tier

Total Assets

balance_sheet

Value: $994.40M

Peer Avg: -

#1 of 112 Top 0.0% in 750M-1B tier

Total Loans

balance_sheet

Value: $842.86M

Peer Avg: -

#2 of 112 Top 0.9% in 750M-1B tier

AMR Growth Rate

growth

Value: 14.16%

Peer Avg: -

#4 of 112 Top 2.7% in 750M-1B tier

Asset Growth Rate

growth

Value: 12.70%

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Deposit Growth Rate

growth

Value: 11.69%

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Loan Growth Rate

growth

Value: 15.38%

Peer Avg: -

#9 of 112 Top 7.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 12.90%

Peer Avg: -

#9 of 112 Top 7.1% in 750M-1B tier

Total Deposits

balance_sheet

Value: $853.30M

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.78%

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Top Weaknesses (1 metrics)

Net Worth Ratio

risk

Value: 9.12%

Peer Avg: -

#91 of 112 Bottom 19.6% in 750M-1B tier