State credit union · Falcon Heights, Minnesota · NCUA charter #68651
Blaze
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $4.58B
- Total assets
- 253,895
- Members
- 4.0%
- Net-worth ratio
Blaze - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68651 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Blaze - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)33
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth73
- Liquidity (loan-to-share)94
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 4.00% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.00% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | 0.60% | 15% |
| Member Growth | 1.59% | 15% |
| Loan-to-Share Ratio | 66.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.58B | 253,895 |
| 2024Q4 | $4.26B | 249,918 |
| 2023Q4 | $2.17B | 159,335 |
Credit Union Details
- Charter Number
- 68651
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Falcon Heights
- Data Quarter
- 2025Q4
What This Data Says About Blaze
The five-factor composite scores Blaze at 74/100 (Very Good), reflecting a net worth ratio of 4.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Falcon Heights, Minnesota, reports 253,895 members, $4.58B in total assets, and $2.58B in outstanding loans as of Q4 2025 under charter #68651 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
0.60% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 66.28% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.60% on net income of $27.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.59%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Blaze financially healthy?
A 4.00% net worth ratio and a 0.60% delinquency rate feed into Blaze's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Blaze compare to other credit unions?
Blaze scores 74/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Blaze?
Membership eligibility for Blaze depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Blaze directly for current membership requirements and application steps.
Is my money safe at Blaze?
Federal credit unions like Blaze are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Blaze's net worth ratio of 4.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Blaze offer compared to banks?
Credit unions like Blaze are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Blaze directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.