BRIGHTBRIDGE
Charter #68693 · LAWRENCE, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 84.02% sits at the 80th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 30th — a 20-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 | BRIGHTBRIDGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.39B | 53th pct | 67th pct |
| Members | 116,769 | 48th pct | 66th pct |
| Net worth ratio | 10.29% | 39th pct | 34th pct |
| Return on average assets | 0.54% | 33th pct | 33th pct |
| Net interest margin | 3.23% | 43th pct | 61th pct |
| Cost of funds | 1.75% | 49th pct | 41th pct |
| Loan-to-share | 83.46% | 41th pct | 38th pct |
| Delinquency 60+ days | 0.66% | 52th pct | 57th pct |
| Net charge-off ratio | 0.14% | 9th pct | 30th pct |
| Loan growth YoY | 7.02% | 91th pct | 90th pct |
| Share growth YoY | 10.86% | 93th pct | 90th pct |
| Efficiency ratio | 84.02% | 89th pct | 80th pct |
structural peer set hash: 11e9bb346a560c7d3c5d91aeb2eecb4a… (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.