Blue Flame
Charlotte, NC · Charter 63519 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$30.3MAssets
$24.4MLoans
$26.6MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets (rank 332 of 1682).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1649 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.16%
Rank 1,623 of 1,683
Net Interest Margin
3.69%
Rank 950 of 1,683
Efficiency Ratio
125.07%
Rank 1,649 of 1,682
Equity / Assets
11.04%
Rank 1,143 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.16% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,623 / 1,683 | | |
| Return on Equity | -10.53% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,625 / 1,681 | | |
| Net Interest Margin | 3.69% | 3.31% | 3.82% | 4.32% | Beats 43% | 950 / 1,683 | | |
| Efficiency Ratio | 125.07% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,649 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.26% | 0.65% | 1.29% | Beats 80% | 332 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,143 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.04% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,143 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.74% | 52.61% | 69.38% | 83.50% | 89th pctl | 180 / 1,683 | | |
| Loans / Assets | 80.57% | 44.71% | 59.18% | 70.72% | 93rd pctl | 123 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |