BlastPoint's Credit Union Scorecard
BRIGHTBRIDGE
Charter #68693 · MA
BRIGHTBRIDGE has 1 strength but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + 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
- - Credit Risk Growth: 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
|
68% |
| 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
|
75% |
| 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
|
77% |
| 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
|
77% |
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| 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
|
19% |
| 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
|
31% |
| 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
|
43% |
| 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
|
46% |
| 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
|
66% |
| CD Concentration |
24.2%
-1.8% YoY+0.9% QoQ
|
-4.8% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
29% |
| Indirect Auto % |
4.2%
+18.3% YoY-0.8% QoQ
|
-14.6% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
23% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)