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
- NW 90/100
- DELQ 10.3%
- ROA 0.50%
- ASSETS 0.33%
- MEM $2.21B
- RANK 113,517
- PHOTO #1,144/4,374
- BOOK Financial Partners
- CHARTER 68693
Call Report peers
BRIGHTBRIDGE in the assets neighbourhood
BRIGHTBRIDGE's $2.21B assets sit next to Financial Partners ($2.24B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BRIGHTBRIDGE - Share Insurance Coverage
Charter #68693's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How BRIGHTBRIDGE's 5300 filing moved
BRIGHTBRIDGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.2% from $2.21B (2025Q4) to $2.39B (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.46% → 10.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for BRIGHTBRIDGE, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.21B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BRIGHTBRIDGE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, BRIGHTBRIDGE carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,144 of 4,374; by total assets it ranks #237 of 4,374 nationally (same basis as /rankings/largest); and #6 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.29% net worth ratio and a 0.50% delinquency rate.
How does BRIGHTBRIDGE compare to other credit unions?
On PlainCU's health composite, BRIGHTBRIDGE lands at 90/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like BRIGHTBRIDGE are 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."
What rates does BRIGHTBRIDGE offer compared to banks?
Credit unions like BRIGHTBRIDGE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact BRIGHTBRIDGE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.