BRIGHTSTAR
Charter #67347 · Fort Lauderdale, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.06% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.53% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 41st — a 40-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BRIGHTSTAR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.01B | 1th pct | 41th pct |
| Members | 59,360 | 9th pct | 46th pct |
| Net worth ratio | 9.06% | 15th pct | 25th pct |
| Return on average assets | 0.48% | 28th pct | 43th pct |
| Net interest margin | 3.68% | 72th pct | 66th pct |
| Cost of funds | 0.53% | 12th pct | 11th pct |
| Loan-to-share | 104.33% | 96th pct | 89th pct |
| Delinquency 60+ days | 0.51% | 38th pct | 39th pct |
| Net charge-off ratio | 0.49% | 47th pct | 57th pct |
| Loan growth YoY | 5.12% | 82th pct | 92th pct |
| Share growth YoY | -0.47% | 4th pct | 5th pct |
| Efficiency ratio | 82.56% | 86th pct | 61th pct |
structural peer set hash: 03bf37348a3e3a155432cb78bcc40f99… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.