BlastPoint's Credit Union Scorecard
BRIGHTBRIDGE
Charter #68693 · MA
BRIGHTBRIDGE has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.2% in tier
- + Organic Growth Leader: Top 55.5% in tier
- + Organic Growth Engine: Top 55.5% in tier
- + Net Charge-Off Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.8% in tier
- - Credit Quality Pressure: Bottom 20.0% in tier
- - Credit Risk Growth: Bottom 35.5% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 9.39% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116,769
+1.6% YoY+2.9% QoQ
|
+20.7K |
96,048
-2.7% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$2.4B
+7.1% YoY+8.2% QoQ
|
+$672.9M |
$1.7B
+0.4% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$1.7B
+7.8% YoY+7.2% QoQ
|
+$533.4M |
$1.2B
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$2.1B
+8.1% YoY+8.2% QoQ
|
+$627.9M |
$1.5B
+0.5% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
85% |
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| ROA |
0.5%
+91.7% YoY+31.6% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
3.1%
+5.0% YoY+1.4% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
84.0%
-6.8% YoY-3.4% QoQ
|
+9.4% |
74.6%
-3.0% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate |
0.7%
+39.2% YoY+31.7% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
83.5%
-0.3% YoY-0.9% QoQ
|
+0.3% |
83.2%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$32,890
+6.2% YoY+4.7% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
23.9%
-4.5% YoY-0.7% QoQ
|
-5.0% | 28.8% | 25.2% | 19.8% | 28% |
| Indirect Auto % |
4.0%
-3.3% YoY-3.0% QoQ
|
-14.1% | 18.1% | 2.3% | 7.7% | 23% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)