State credit union · Fort Lauderdale, Florida · NCUA charter #67347
Brightstar
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $992.7M
- Total assets
- 59,035
- Members
- 8.8%
- Net-worth ratio
Brightstar - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67347. See our deposit-insurance coverage note.
Brightstar - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth49
- Liquidity (loan-to-share)71
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.81% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.69% | 15% |
| Member Growth | -0.90% | 15% |
| Loan-to-Share Ratio | 99.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $992.7M | 59,035 |
| 2024Q4 | $907.3M | 59,569 |
| 2023Q4 | $830.7M | 59,850 |
Credit Union Details
- Charter Number
- 67347
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Fort Lauderdale
- Data Quarter
- 2025Q4
What This Data Says About Brightstar
The five-factor composite scores Brightstar at 83/100 (Excellent), reflecting a net worth ratio of 8.81% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Fort Lauderdale, Florida, reports 59,035 members, $992.7M in total assets, and $845.8M in outstanding loans as of Q4 2025 under charter #67347 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
0.69% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 99.64% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.69% on net income of $6.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.90%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Brightstar financially healthy?
A 8.81% net worth ratio and a 0.69% delinquency rate feed into Brightstar's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Brightstar compare to other credit unions?
Five weighted metrics from NCUA filings produce Brightstar's 83/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Brightstar?
Membership eligibility for Brightstar depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Brightstar directly for current membership requirements and application steps.
Is my money safe at Brightstar?
Federal credit unions like Brightstar 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. Brightstar's net worth ratio of 8.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brightstar offer compared to banks?
Credit unions like Brightstar 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 Brightstar directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.