Your Credit Union is safe and strong. Although there has been recent news about concerns in the sub-prime mortgage market and the economy, we want to reassure BrightStar members that your Credit Union is safe, sound, growing and vibrant.

• We make sound lending decisions—on both our consumer and mortgage loans. We have low delinquency and charge-off ratios. BrightStar has made no "sub-prime" mortgage loans, and we've had very few foreclosures.
• One measurement used to determine a credit union's financial strength is our "net worth" or "capital" ratio. Our current ratio is well over 10%, which is considered well capitalized and puts BrightStar in a very safe position.
• The Credit Union is regularly audited by independent accounting firms. State and Federal regulators examine BrightStar on a regular basis. In their last review, regulators gave us an excellent rating for financial soundness. In addition, the Credit Union's Supervisory Committee—volunteers from among the membership, appointed by the Board of Directors—oversees our financial operations, and conducts periodic exams on internal procedures.
• Member savings are federally insured to at least $100,000 through the National Credit Union Administration and backed by the full faith and credit of the United States Government. 

At BrightStar Credit Union it is our priority to earn your trust and constantly strive to exceed your highest expectations. Whether you save or borrow, you can benefit in many ways at BrightStar.  And you can enjoy peace of mind knowing that your Credit Union is well managed and financially healthy.

If you need a loan, want to establish a personal savings plan, need a checking account—please drop by or give us a call.  We're ready to assist you.