State credit union · Charlotte, North Carolina · NCUA charter #63519
Blue Flame
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $29.9M
- Total assets
- 2,971
- Members
- 11.8%
- Net-worth ratio
Blue Flame - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63519, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Blue Flame - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth29
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.77% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | -1.84% | 15% |
| Member Growth | -2.59% | 15% |
| Loan-to-Share Ratio | 87.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $29.9M | 2,971 |
| 2024Q4 | $28.6M | 3,050 |
| 2023Q4 | $29.6M | 2,996 |
Credit Union Details
- Charter Number
- 63519
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- Charlotte
- Data Quarter
- 2025Q4
What This Data Says About Blue Flame
2,971 members and $29.9M in total assets sit behind Blue Flame, a state credit union in Charlotte, North Carolina, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $22.7M in outstanding loans as of Q4 2025 and a net worth ratio of 11.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63519 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.21% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 87.15% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -1.84% on net income of $-550903 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 -2.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match 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 Blue Flame financially healthy?
Blue Flame has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.77% and delinquency rate of 0.21%.
How does Blue Flame compare to other credit unions?
PlainCU's health composite puts Blue Flame at 74/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Blue Flame?
Membership eligibility for Blue Flame depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Blue Flame directly for current membership requirements and application steps.
Is my money safe at Blue Flame?
Federal credit unions like Blue Flame 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. Blue Flame's net worth ratio of 11.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Blue Flame offer compared to banks?
Credit unions like Blue Flame 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 Blue Flame 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.