Federal credit union · RIDGELAND, Mississippi · NCUA charter #6527
Brightview
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $37.6M
- Total assets
- 4,617
- Members
- 9.7%
- Net-worth ratio
Brightview - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6527. See our deposit-insurance coverage note.
Brightview - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)97
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth2
- Liquidity (loan-to-share)98
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.66% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.91% | 15% |
| Member Growth | -4.82% | 15% |
| Loan-to-Share Ratio | 68.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $37.6M | 4,617 |
| 2024Q4 | $36.9M | 4,851 |
| 2023Q4 | $36.8M | 4,937 |
Credit Union Details
- Charter Number
- 6527
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- RIDGELAND
- Data Quarter
- 2025Q4
What This Data Says About Brightview
Brightview is a federal credit union headquartered in RIDGELAND, Mississippi, serving 4,617 members with $37.6M in total assets and $21.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 9.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #6527 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 68.36% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.69% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.91% on net income of $342K 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 -4.82%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) 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 Mississippi
Other federally-insured credit unions in Mississippi, 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 Brightview financially healthy?
A 9.66% net worth ratio and a 0.69% delinquency rate feed into Brightview's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Brightview compare to other credit unions?
On PlainCU's health composite, Brightview lands at 82/100, compared to a peer group average for $10M–$50M 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 Brightview?
Brightview serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Brightview directly for the current list of qualifying groups.
Is my money safe at Brightview?
Federal credit unions like Brightview 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. Brightview's net worth ratio of 9.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brightview offer compared to banks?
Credit unions like Brightview 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 Brightview 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.