| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.1% | +1.6 pts |
| Share growth (YoY) | +3.4% | +4.9% | -1.4 pts |
| Loan growth (YoY) | +15.4% | +5.4% | +9.9 pts |
| ROA | 0.47% | 0.71% | -0.2 pts |
| ROE | 5.3% | 6.3% | -0.9 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.01B | $849.3M | $886.0M | $89.9M | $1.2M | 0.47% | 3.65% | 0.51% | 59,360 |
| Q4 2025 | $992.7M | $848.8M | $845.8M | $88.7M | $7.3M | 0.73% | 3.48% | 0.69% | 59,035 |
| Q3 2025 | $994.4M | $853.3M | $842.9M | $87.0M | $5.6M | 0.75% | 3.39% | 0.55% | 59,314 |
| Q2 2025 | $961.8M | $825.0M | $806.4M | $86.3M | $3.6M | 0.75% | 3.41% | 0.58% | 59,671 |
| Q1 2025 | $949.4M | $821.2M | $767.9M | $84.1M | $1.4M | 0.60% | 3.31% | 0.38% | 59,941 |
| Q4 2024 | $907.3M | $785.3M | $758.8M | $82.7M | $6.9M | 0.76% | 3.17% | 0.37% | 59,569 |
| Q3 2024 | $882.4M | $764.0M | $730.5M | $81.1M | $5.3M | 0.80% | 3.18% | 0.44% | 59,663 |
| Q2 2024 | $869.4M | $759.1M | $696.2M | $81.3M | $4.1M | 0.95% | 3.14% |
| Ratio | Brightstar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.71% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.3% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 59,686 |
Loan mix (Q1 2026): real estate $251.9M · commercial $469.4M · consumer $163.4M · securities $44.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 73.0% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Brightstar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Brightstar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Brightstar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Brightstar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.