Credit Union Safety Analysis
Is Brightstar Credit Union Safe? Cooper City, Florida
Based on its Q2 2026 NCUA 5300 call report, Brightstar Credit Union has a net worth ratio of 9.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Brightstar Credit Union's net worth ratio is 9.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.22%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 1.39%
- Loan-to-share ratio (Q2 2026): 102.15%
Brightstar Credit Union (NCUA charter 67347) reported $1.05B in assets and 59,988 members for Q2 2026 from Cooper City, Florida. It ranks 26 of 106 credit unions in Florida by total assets. Total assets grew 9.5% from $961.8M on June 30, 2025. It has 317 more members than on June 30, 2025 (+0.5%). Its net worth ratio was down 0.08 percentage points from 9.30% on June 30, 2025. Commercial loans are its largest loan category, $480.7M of $903.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.06% for Q1 2026; 9.30% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.51% for Q1 2026; 0.58% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.47% for Q1 2026; 0.90% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 104.33% for Q1 2026; 97.74% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $480.7M
- 1- to 4-family residential and other consumer real estate loans: $257.8M
- Used vehicle loans: $79.4M
- Unsecured credit card loans: $45.8M
- New vehicle loans: $32.1M
- Other unsecured loans and lines of credit: $6.2M
- Other secured non-real estate loans and lines of credit: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.05B | 9.22% | 0.52% | 1.39% | 102.15% |
| March 31, 2026 | $1.01B | 9.06% | 0.51% | 0.47% | 104.33% |
| December 31, 2025 | $992.7M | 9.08% | 0.69% | 0.67% | 99.64% |
| September 30, 2025 | $994.4M | 9.12% | 0.55% | 0.81% | 98.78% |
| June 30, 2025 | $961.8M | 9.30% | 0.58% | 0.90% | 97.74% |
| March 31, 2025 | $949.4M | 9.30% | 0.38% | 0.60% | 93.51% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Brightstar Credit Union profile
Regulator records: NCUA credit union profile (charter 67347) · FFIEC NIC profile (RSSD 24994)
Frequently asked questions
Is Brightstar Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Brightstar Credit Union's net worth ratio is 9.22%, above the 7% NCUA threshold for well capitalized.
Is Brightstar Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Brightstar Credit Union is a federally insured credit union (NCUA charter 67347): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Brightstar Credit Union's key safety ratios?
For Q2 2026, Brightstar Credit Union reports net worth 9.22%, delinquency 0.52%, ROA 1.39%, loan-to-share 102.15%.
What happens to my money if Brightstar Credit Union fails?
For Q2 2026, Brightstar Credit Union held $884.1M in shares and deposits for 59,988 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.