# BRIGHTSTAR
Fort Lauderdale, FL · NCUA charter 67347 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brightstar-67347

Who the members are: state charter, organized 1946, low-income designated. 59,360 members of 13,416,899 potential (0.4% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 273.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.01B |
| Members | 59,360 (-1.0% YoY) |
| Full-time staff | 184 |
| Net worth | $89.9M |
| Net worth ratio | 8.9% (p12 of band) |
| ROA (annualized) | 0.47% (p28 of band) |
| Total delinquency | 0.51% (p38 of band) |
| Net charge-offs (annualized) | 0.48% (p47 of band) |
| Loans / shares | 104% (p96 of band) |
| Cash / assets | 2.6% |
| Borrowings / assets | 6.42% |
| Net interest margin | 3.65% (p72 of band) |
| Operating expense / assets | 3.83% (p81 of band) |
| Vehicles % of loans | 13% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 9% (p14 of band) |
| Vehicle delinquency | 0.59% (p52 of band) |
| Vehicle NCO | 0.38% (p11 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 522% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 30% |
| Average share balance | $7,173 |
| Participations bought / yr | $1.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.9M |
| Loans outstanding per 100 members | 273% |
| Loans granted per 100 members, annualized | 81% |
| Average loan balance | $5,469 |
| Loans granted, annualized | $322.9M |

## Participation posture (from the same filings)

Bought $1.2M and sold $0 in the latest annualized quarter; $9.9M outstanding purchased (11.0% of net worth), $54.6M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | 3rd-party paper>100% NW |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | expense trap, charge-offs p90 |  |
| 2019-06 | 3 | net worth falling, delinquency rising | charge-offs p90 |
| 2019-09 | 3 | charge-offs p90 | net worth falling |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 1 |  | expense trap, charge-offs p90 |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | net worth falling, margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | net worth falling |  |
| 2023-06 | 0 |  | net worth falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 | loans>95% of shares | delinquency rising |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 3 | thin capital, delinquency rising | loans>95% of shares |
| 2025-06 | 2 | loans>95% of shares | net worth falling, delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 | leaning on borrowings | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-02 [BUSINESS GROWTH CORNER: BRIGHTSTAR CREDIT UNION ENTERS THE MIAMI BEACH MARKET - City of Miami Beach (.gov)](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNd3ZLVVFQVzdxWksxaU1xN05xX2lwLWVESi1pOXR1Y1A3WTlXRElmSEVLQXFMeVEtOThGMW1PbUVDOTJhOVBLYVlnOC1JQjBCQmw2MFVSMktPSkpqRmhVRkpYVU1sb2tSQ2hmTHl1aEpzYVZFX0cxQXFtNjhkNGJidWpHb1ZVazhxVkJRa0ZYLUJmejNmdHliZVBjZDVFbWVLcGo5U1l6VXZ1UQ?oc=5) · City of Miami Beach (.gov)
- 2026-02-27 [BrightStar Credit Union appoints Guy Petroro to chief lending officer - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUGVXUnJTVktBeW1LNmZPcmxwMTRxZDFZM3FfNGZ5b3Zua05ybXV2TFlrZzlFM2FWMVVlMVlFT3E4Qk9UN1hFVVE2dUxCTzlnNERweEhZb1RLVGdmR2R2bzI4ZG5EY1FlcUppTW00a3htOG9RdXdSQmVOaDB4LXFDcVd2ODBoTlQ1TkNCcWhkaERBT2hNajYweU1QX3lTWDBjWjJmVkpPeWJZVHdrMW5Z?oc=5) · CUInsight
- 2026-02-27 [BrightStar Credit Union appoints Natasha Schneider to chief financial officer - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxPckxxWm5GVjhxNXgxSVVoWi04QW5Yc1EtWllKZWhxeUN4dFNVSWlXa2JoZ3UtSUJZZEd0UFppRFZmdUNEanhHQjVmZEU2R0NCUUhtQkdKVkdYVVR4dU50blZMaGJhLWFKNW5hZU1TSV9FRlFrSlh2blJtSDRUanZZbUdONU44TEctUEthMzJsb0VHMnVFTVp5R0FuQnltOS1KNnZsYzdTa0tzSzBSLXU3QUo0ckZ3bmcxT0E?oc=5) · CUInsight
- 2026-04-07 [BrightStar Credit Union, HOT 105 Launch ‘Teach. Thank. Win.’ to Reward Local Teachers With Monthly $500 Prize - Margate Talk](https://news.google.com/rss/articles/CBMif0FVX3lxTE5NWUR6WDhDX1NWZml4cFBOd0tNc2VTaXRyRXJOUm91QnAwOVZYcEF2RUxpbXUzOFZjMDA4a0hmSW1fcTdESVVrNi1DY1ZncW1QRkNrY2ZsRzVIWXJ4VlplMWxKUmV4TVJORi05VXFxdDJqLVUxd2l2WVZ1bWNvR0E?oc=5) · Margate Talk
- 2026-03-06 [BrightStar Credit Union appoints Jolene Handal to senior executive assistant - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPOWloSEhqUThHUHhyZFZtUnhWZlFIZFhNS2h0Y3BHZ1c5UXdaUGhYMko0WHpnRlZyaWNVdDJyQlhzVmVHa0huWWQxQ3N4anJONTFrdzZZaExQT192NktVMFE1el9ZX1RBZDQxQWpGcDE4Q3gyczN2eGhraVFjakZ4bFhUSktMNWRsa1psQ2hMOWJjcjY1U0xvQjdpVUpXS2JlcTI5bUFHeGh2Y2piY01OTEUyRzE3ZFlJ?oc=5) · CUInsight
- 2024-02-22 [Credit union to open 1st Broward County branch in Pembroke Pines - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQS190UnFmOFVFQ2tHd01IelRlN3N2QVBDQjI2WWJ5bEczV0Q1UUJuN1o5ZTU0M21oUjE2TkZzMUhvZy1teGVPS3BBM09XS1RvNjhFMnBuMHVwdnptSGFoTVFkcjdPbTdFdU5vSk15ZTVlVmRmY2Zlbm5KenJpSTJQbjdVM2JFVUg5UDBMMko3OHlCYVBWcjdyUVdSQlJnVk1f?oc=5) · The Business Journals
- 2015-03-25 [BrightStar Credit Union appoints Michael Tomko as CEO - Orlando Sentinel](https://news.google.com/rss/articles/CBMingFBVV95cUxOOGxncndYV3ZxMEV0OG5JNHNiVHJYalBFYkFMOUZTVjFhMFZCTzJjYk9Dc1JUUEVTVmNzZFBaQldNVE5zd0FWdW5SOUVESFFIQXBGell1TTRMTHJEbVJPdC1pbjRVRVh5QXFDSTFGS2NFWTl6RUhScTBlcFR1STR3MVREQlo4MDVyRjJsRTctUU1fbDNJRXZGaVdKNFlKdw?oc=5) · Orlando Sentinel
- 2025-11-11 [BrightStar Credit Union opens first branch in Miami - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX2J2bXlJZzhRa2VuZ1BjNHg1empkVW5Fc1plQ2NSanpVUVdGaVZTcS1wVXA4c2xIUWdncEZIQXRXbnlBUmkzbm8zbG5UblliNEZMa1F0UzZ5UmRXcXVjZ0JBTVExQlJpczdQaTdwSGN0Y3lWZmxiVVFTNFFRTEFiNjI0cldQa3JTbi1wS1J0eFpTaFhwTmpj?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67347 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/19.json (key "67347", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67347
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide