BRIGHTBRIDGE

Charter #68693 | MA

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in MA

BRIGHTBRIDGE has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 25.9% in tier
  • + Wallet Share Momentum: Top 28.7% in tier
  • + Net Charge-Off Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.6% in tier
  • - Credit Quality Pressure: Bottom 26.1% in tier
  • - Growth-at-Risk: Bottom 28.2% in tier
  • - Flatlined Growth: Bottom 28.6% in tier
  • - Membership Headwinds: Bottom 28.9% in tier
  • - Stagnation Risk: Bottom 29.7% in tier
  • - ROA 0.34% below tier average
  • - Efficiency ratio 13.89% above tier (higher cost structure)
  • - First Mortgage Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 115,027
-0.9% YoY-0.4% QoQ
 +16.3K 98,678
-1.9% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $2.2B
+0.1% YoY-0.6% QoQ
 +$473.1M $1.7B
+0.5% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 75th in tier
Loans $1.6B
+3.1% YoY+0.7% QoQ
 +$399.4M $1.2B
+0.5% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Top 22.7% in tier
Deposits $1.9B
+0.3% YoY-0.7% QoQ
 +$434.0M $1.5B
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Top 23.4% in tier
ROA 0.4%
-6.9% YoY+16.7% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 19.4% in tier
NIM 3.0%
-3.3% YoY+1.7% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 87.9%
+1.4% YoY-1.5% QoQ
 +13.9% 74.0%
-10.9% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 3.3% in tier
Delinquency Rate 0.6%
+2.1% YoY+9.7% QoQ
 -0.2 0.8%
+6.1% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 43rd in tier
Loan To Share 86.5%
+2.7% YoY+1.5% QoQ
 +1.3% 85.2%
-0.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 46th in tier
AMR $30,608
+2.5% YoY+0.3% QoQ
 +$1K $29,172
+2.8% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 66th in tier
CD Concentration 24.2%
-1.8% YoY+0.9% QoQ
 -4.8% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 29th in tier
Indirect Auto % 4.2%
+18.3% YoY-0.8% QoQ
 -14.6% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 Bottom 23.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#188 of 264 • Top 25.9% in tier

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

Why This Signature
AMR Growth (YoY): 2.52%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#208 of 264 • Top 28.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.52%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk
#3 of 96 • Bottom 0.6% in tier

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

Why This Signature
Efficiency Ratio: 87.86%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.91%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Credit Quality Pressure

risk
#201 of 217 • Bottom 26.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Growth-at-Risk

risk
#158 of 161 • Bottom 28.2% in tier

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

Why This Signature
Loan Growth (YoY): 3.07%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Flatlined Growth

risk
#11 of 18 • Bottom 28.6% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $2.19B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.08%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.37%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | New qualifier

Membership Headwinds

decline
#70 of 85 • Bottom 28.9% in tier

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

Why This Signature
Member Growth (YoY): -0.91%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#72 of 85 • Bottom 29.7% 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: 0.37%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.91%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $30.6K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 24.21%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 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 304 peers in tier

Top Strengths (5 metrics)

17
Net Charge-Off Rate
risk
Value: 0.08%
Peer Avg: 0.60%
#17 of 304 Top 5.3% in 1B-3B tier
69
Total Loans
balance_sheet
Value: $1.63B
Peer Avg: $1.23B
#69 of 304 Top 22.4% in 1B-3B tier
71
Total Deposits
balance_sheet
Value: $1.89B
Peer Avg: $1.45B
#71 of 304 Top 23.0% in 1B-3B tier
76
Indirect Auto Concentration (%)
balance_sheet
Value: 4.16%
Peer Avg: 18.32%
#76 of 304 Top 24.7% in 1B-3B tier
77
Total Assets
balance_sheet
Value: $2.19B
Peer Avg: $1.72B
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (7 metrics)

295
Efficiency Ratio
profitability
Value: 87.86%
Peer Avg: 73.97%
#295 of 304 Bottom 3.3% in 1B-3B tier
286
First Mortgage Concentration (%)
balance_sheet
Value: 58.15%
Peer Avg: 34.01%
#286 of 304 Bottom 6.2% in 1B-3B tier
270
Fee Income Per Member
profitability
Value: $130.66
Peer Avg: $210.52
#270 of 304 Bottom 11.5% in 1B-3B tier
252
Deposit Growth Rate
growth
Value: 0.33%
Peer Avg: 5.58%
#252 of 304 Bottom 17.4% in 1B-3B tier
245
Return on Assets (ROA)
profitability
Value: 0.37%
Peer Avg: 0.70%
#245 of 304 Bottom 19.7% in 1B-3B tier
245
Asset Growth Rate
growth
Value: 0.08%
Peer Avg: 4.83%
#245 of 304 Bottom 19.7% in 1B-3B tier
238
Member Growth Rate
growth
Value: -0.91%
Peer Avg: 2.20%
#238 of 304 Bottom 22.0% in 1B-3B tier