Blue Flame
Mobile, AL · Charter 64644 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$10.7MAssets
$3.8MLoans
$8.8MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: efficiency ratio trails 63% of credit unions under $1B in assets (rank 1068 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.69%
Rank 892 of 1,683
Net Interest Margin
3.60%
Rank 1,037 of 1,683
Efficiency Ratio
82.71%
Rank 1,068 of 1,682
Equity / Assets
15.36%
Rank 514 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 892 / 1,683 | |
| Return on Equity | 4.52% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,016 / 1,681 | |
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,037 / 1,683 | |
| Efficiency Ratio | 82.71% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,068 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.36% | 10.44% | 12.89% | 16.53% | Beats 69% | 514 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.36% | 10.44% | 12.89% | 16.53% | Beats 69% | 514 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 43.15% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,444 / 1,683 | |
| Loans / Assets | 35.50% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,456 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |