BlastPoint's Credit Union Scorecard

BRIGHTBRIDGE

Charter #68693 · MA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 10 in MA

View Mid-Market leaderboard →

BRIGHTBRIDGE has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.2% in tier
- Flatlined Growth: Bottom 54.5% in tier
- Stagnation Risk: Bottom 86.9% in tier
- Membership Headwinds: Bottom 91.7% in tier
- ROA 0.29% below tier average
- Efficiency ratio 12.88% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	113,517 -0.9% YoY-1.3% QoQ	+16.1K	97,431 -2.4% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	69%
Assets	$2.2B +0.1% YoY+0.8% QoQ	+$487.2M	$1.7B +0.9% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	76%
Loans	$1.6B +1.2% YoY-0.1% QoQ	+$395.9M	$1.2B +0.5% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	77%
Deposits	$1.9B +1.7% YoY+2.5% QoQ	+$476.0M	$1.5B +0.9% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	78%

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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	0.4% +20.5% YoY+8.1% QoQ	-0.3%	0.7% +20.9% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	23%
NIM	3.1% -1.0% YoY+0.6% QoQ	-0.2%	3.3% +9.2% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	86.9% -0.9% YoY-1.0% QoQ	+12.9%	74.1% -9.5% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Top 5.6% in tier
Delinquency Rate	0.5% -25.6% YoY-19.1% QoQ	-0.4	0.9% +6.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	28%
Loan To Share	84.2% -0.5% YoY-2.6% QoQ	-0.5%	84.8% -0.8% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	41%
AMR	$31,410 +2.3% YoY+2.6% QoQ	+$2K	$29,428 +2.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	68%
CD Concentration	24.0% -5.7% YoY-0.7% QoQ	-5.0%	29.0%	25.0%	19.8%	28%
Indirect Auto %	4.1% +7.6% YoY-1.9% QoQ	-14.2%	18.3%	2.4%	7.8%	23%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#3 of 90 • Bottom 2.2% in tier

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

Why This Signature

Efficiency Ratio: 86.94%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.87%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Flatlined Growth

risk

#7 of 12 • Bottom 54.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.09%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Return on Assets: 0.39%

(Tier: 0.69%, National: 0.67%)

worse than tier avg

12 of 378 Mid-Market CUs have this signature | 59 nationally

→ No prior data (12 CUs now) | New qualifier

Stagnation Risk

risk

#74 of 85 • Bottom 86.9% 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): -0.87%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.16%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.50%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#78 of 85 • Bottom 91.7% in tier

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

Why This Signature

Member Growth (YoY): -0.87%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 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 302 peers in tier

Top Strengths (5 metrics)

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.94B

Peer Median: -

#66 of 302 Top 21.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.63B

Peer Median: -

#69 of 302 Top 22.5% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.21B

Peer Median: -

#72 of 302 Top 23.5% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 4.08%

Peer Median: -

#76 of 302 Top 24.8% in 1B-3B tier

Top Weaknesses (7 metrics)

286

Efficiency Ratio

profitability

Value: 86.94%

Peer Median: -

#286 of 302 Bottom 5.6% in 1B-3B tier

283

First Mortgage Concentration (%)

balance_sheet

Value: 58.32%

Peer Median: -

#283 of 302 Bottom 6.6% in 1B-3B tier

259

Asset Growth Rate

growth

Value: 0.09%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

255

Fee Income Per Member

profitability

Value: $145.18

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

238

Deposit Growth Rate

growth

Value: 1.67%

Peer Median: -

#238 of 302 Bottom 21.5% in 1B-3B tier

233

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Median: -

#233 of 302 Bottom 23.2% in 1B-3B tier

232

Member Growth Rate

growth

Value: -0.87%

Peer Median: -

#232 of 302 Bottom 23.5% in 1B-3B tier