PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Blue Flame

Mobile, AL · Charter 64644

NCUA · 1 branch

Q2 2026

$10.7MAssets
$3.8MLoans
$8.8MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.70%, down 24 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (-3 bps YoY).
  • Capital: net worth / assets of 15.36%, down 34 bps from a year ago.
  • Funding: loans stand at 43.15% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.70%-24 bps YoY

Net Interest Margin (quarter, annualized)

3.60%-52 bps YoY

Efficiency Ratio (quarter, annualized)

82.60%+294 bps YoY

Net Worth / Assets

15.36%-34 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.17%0.62%0.94%0.99%0.87%0.48%0.70%-24 bps
Return on Equity8.50%7.69%4.13%5.98%6.07%5.51%3.18%4.55%-144 bps
Net Interest Margin4.04%4.05%3.68%4.12%4.20%4.01%3.29%3.60%-52 bps
Efficiency Ratio71.39%74.16%84.95%79.66%78.85%80.67%87.36%82.60%+294 bps
Growth
Asset Growth (YoY)1.92%2.72%0.15%-1.45%-1.43%2.67%5.87%7.40%+885 bps
Loan Growth (YoY)-14.48%-14.17%-9.39%-10.57%-10.56%-9.22%-7.40%-5.11%+546 bps
Share Growth (YoY)1.17%2.04%-0.85%-2.60%-2.51%2.62%6.58%8.60%+1,120 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.00%0.03%0.45%0.00%0.00%0.00%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.20%15.25%15.10%15.70%16.39%15.71%15.05%15.36%-34 bps
Net Worth / Assets15.20%15.25%15.10%15.70%16.39%15.71%15.05%15.36%-34 bps
Liquidity & Funding
Loans / Shares53.69%51.79%50.37%49.38%49.26%45.82%43.76%43.15%-623 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps