State credit union · LAWRENCE, Massachusetts · NCUA charter #68693
BRIGHTBRIDGE
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $2.21B
- Total assets
- 113,517
- Members
- 10.3%
- Net-worth ratio
BRIGHTBRIDGE scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.21B; members 113,517; net-worth ratio 10.29%; health rank #1,144 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,144 of 4,374 health · 2025Q4BRIGHTBRIDGE · health 90/100 · $2.21B · 2025Q4
Call Report peers
BRIGHTBRIDGE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BRIGHTBRIDGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BRIGHTBRIDGE sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where BRIGHTBRIDGE diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.50% vs peer 0.87% (-0.37 pp).
- Largest lag: Net Worth Ratio at 10.29% vs peer 11.18% (-0.89 pp).
BRIGHTBRIDGE in Massachusetts
- Health composite ranks #33 of 126 among scored Massachusetts credit unions.
- Assets rank #6 of 126 inside Massachusetts ($2.21B reported).
- Massachusetts membership ordinal: #5 of 126.
- One place up in Massachusetts, HANSCOM (#32) ties at 90/100; one place down, Mass. Institute of Tech. (#34) ties at 90/100.
How BRIGHTBRIDGE's 5300 filing moved
BRIGHTBRIDGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.2% from $2.21B (2025Q4) to $2.39B (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.46% → 10.29%).
This credit union's 10.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
BRIGHTBRIDGE gives up 10 points in total. Member Growth costs the most, 7.6 of its 15; Delinquency Rate and Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 15.2 pts
BRIGHTBRIDGE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.29% | -0.89 pp |
| Delinquency Rate | 0.50% | -0.37 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | -0.87% | - |
| Loan-to-Share Ratio | 84.24% | +0.34 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.39B | - |
| 2025Q4 | $2.21B | 113,517 |
| 2024Q4 | $2.21B | 114,515 |
| 2023Q4 | $2.26B | 114,879 |
Credit Union Details
- Charter Number
- 68693
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- LAWRENCE
- Data Quarter
- 2025Q4
Branch Locations (32)
BRIGHTBRIDGE operates 32 offices across 27 cities, spanning 4 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BrightBridge Corporate Office (Main Office) | Lawrence, MA |
| Amesbury | Amesbury, MA |
| Raytheon Technologies - IADC | Andover, MA |
| Bridgewater | Bridgewater, MA |
| Brookline | Brookline, MA |
| Danvers | Danvers, MA |
| General Dynamics - Dedham | Dedham, MA |
| Dorchester | Dorchester, MA |
| Enfield | Enfield, CT |
| Fairhaven | Fairhaven, MA |
| Hanover | Hanover, MA |
| Central Plaza Branch | Haverhill, MA |
| Lawrence Branch | Lawrence, MA |
| Lawrence General | Lawrence, MA |
| Marlborough | Marlborough, MA |
| Raytheon Technologies - IDS SAS | Marlborough, MA |
| Methuen Branch | Methuen, MA |
| North Andover Mall Branch | North Andover, MA |
| Plaistow Branch | Plaistow, NH |
| Plymouth | Plymouth, MA |
| Portsmouth RI | Portsmouth, RI |
| Quincy | Quincy, MA |
| Seabrook Branch | Seabrook, NH |
| Springfield - Industry Ave | Springfield, MA |
| Springfield - Sumner Ave | Springfield, MA |
| General Dynamics - Taunton | Taunton, MA |
| Raytheon Technologies - IDS HQ | Tewksbury, MA |
| Tewksbury | Tewksbury, MA |
| Waltham | Waltham, MA |
| West Springfield | West Springfield, MA |
| Raytheon Technologies - MDC | Woburn, MA |
| Worcester | Worcester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Other-state peers near BRIGHTBRIDGE
Using this data
- BRIGHTBRIDGE ranks #1,144 of 4,374 nationally on financial health and #33 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HANSCOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HANSCOM
Frequently Asked Questions
Is BRIGHTBRIDGE financially healthy?
On its 2025Q4 NCUA 5300 filing, BRIGHTBRIDGE scores 90/100 (Excellent), with a 10.29% net worth ratio and 0.50% of loans delinquent. It ranks #1,144 of 4,374 nationally on health and #33 of 126 in Massachusetts.
How does BRIGHTBRIDGE compare to other credit unions?
BRIGHTBRIDGE scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.50% vs 0.87%). Its widest shortfall is net worth ratio (10.29% vs 11.18%).
How can I join BRIGHTBRIDGE?
Membership eligibility for BRIGHTBRIDGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BRIGHTBRIDGE directly for current membership requirements and application steps.
Is my money safe at BRIGHTBRIDGE?
BRIGHTBRIDGE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BRIGHTBRIDGE's net worth ratio of 10.29% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.