PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brightstar

Fort Lauderdale, FL · Charter 67347

NCUA · 9 branches

Q2 2026

$1.1BAssets
$903.1MLoans
$884.1MShares
$93.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.92%, up 18 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.52% of loans (-7 bps YoY).
  • Capital: net worth / assets of 8.88%, down 9 bps from a year ago.
  • Funding: loans stand at 102.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+24 bps YoY

Efficiency Ratio (YTD, annualized)

73.68%+160 bps YoY

Net Worth / Assets

8.88%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.75%0.73%0.47%0.92%+18 bps
Return on Equity8.32%8.58%8.20%5.34%10.40%+209 bps
Net Interest Margin3.41%3.39%3.48%3.65%3.64%+24 bps
Efficiency Ratio72.08%71.88%72.75%82.56%73.68%+160 bps
Growth
Asset Growth (YoY)10.64%12.70%9.41%6.68%9.53%-110 bps
Loan Growth (YoY)15.82%15.38%11.47%15.39%11.99%-383 bps
Share Growth (YoY)8.68%11.69%8.09%3.42%7.16%-152 bps
Asset Quality
Delinquent Loans / Loans0.58%0.55%0.69%0.51%0.52%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.97%8.75%8.93%8.88%8.88%-9 bps
Net Worth / Assets8.97%8.75%8.93%8.88%8.88%-9 bps
Liquidity & Funding
Loans / Shares97.74%98.78%99.64%104.33%102.15%+441 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps