State credit union · Falcon Heights, Minnesota · NCUA charter #68651
BLAZE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $4.58B
- Total assets
- 253,895
- Members
- 8.6%
- Net-worth ratio
BLAZE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.58B; members 253,895; net-worth ratio 8.59%; health rank #1,015 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,015 of 4,374 health · 2025Q4BLAZE · health 91/100 · $4.58B · 2025Q4
- BOOK 91/100
- CHARTER 8.6%
- NCUSIF 0.60%
- CAMELS 0.60%
- HEALTH $4.58B
- NW 253,895
- DELQ #1,015/4,374
- ROA EECU
- ASSETS 68651
Call Report peers
BLAZE in the assets neighbourhood
BLAZE's $4.58B assets sit next to EECU ($4.59B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BLAZE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.28 pp (0.60% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.62 pp (66.28% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
BLAZE in Minnesota
- Minnesota health ordinal: #27 of 82.
- By total assets, BLAZE is #4 of 82 in Minnesota.
- Member book place in Minnesota: #3 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BLAZE: 2025Q4 → 2026Q1
BLAZE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $4.58B (2025Q4) to $4.82B (2026Q1).
- Net-worth ratio shifted -0.23 pp (8.82% → 8.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 14.6 pts
BLAZE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.59% | -2.59 pp |
| Delinquency Rate | 0.60% | -0.28 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 1.59% | - |
| Loan-to-Share Ratio | 66.28% | -17.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - BLAZE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.82B | - |
| 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
Branch Locations (30)
Per its most recent NCUA branch filing, BLAZE runs 30 offices in 27 different cities.
| Office | City |
|---|---|
| SPIRE - ADMIN (Main Office) | Falcon Heights, MN |
| Blaine | Blaine, MN |
| Coon Rapids | Coon Rapids, MN |
| Eagan | Eagan, MN |
| Eden Prairie | Eden Prairie, MN |
| Elk River | Elk River, MN |
| Golden Valley | Golden Valley, MN |
| Isle | Isle, MN |
| Keewatin | Keewatin, MN |
| Maple Grove | Maple Grove, MN |
| Milaca | Milaca, MN |
| Minneapolis North | Minneapolis, MN |
| Minneapolis South | Minneapolis, MN |
| Mora | Mora, MN |
| Ogilvie | Ogilvie, MN |
| Pine City | Pine City, MN |
| Plymouth | Plymouth, MN |
| Princeton | Princeton, MN |
| Rochester | Rochester, MN |
| Roseville South | Roseville, MN |
| Roseville North | Roseville, MN |
| St. Cloud | Saint Cloud, MN |
| St Michael - Cub | Saint Michael, MN |
| St. Paul West | Saint Paul, MN |
| Westminster Admin Office | St Paul, MN |
| St. Paul Empire | St. Paul, MN |
| Vadnais Heights | Vadnais Heights, MN |
| Waseca Office | Waseca, MN |
| Woodbury East | Woodbury, MN |
| Woodbury West | Woodbury, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Cross-state Call Report peers for BLAZE
Two NCUA Call Report peer sets for BLAZE, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.58B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- BLAZE ranks #1,015 of 4,374 nationally on financial health and #27 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Affinity Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Affinity Plus
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BLAZE financially healthy?
A 8.59% net worth ratio and a 0.60% delinquency rate feed into BLAZE's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,015 of 4,374; by total assets it ranks #103 of 4,374 nationally (same basis as /rankings/largest); and #4 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does BLAZE compare to other credit unions?
BLAZE scores 91/100 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 8.59% exceeds 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.
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.