State credit union · Charlotte, North Carolina · NCUA charter #63519
Blue Flame
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $29.9M
- Total assets
- 2,971
- Members
- 11.3%
- Net-worth ratio
Blue Flame scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.9M; members 2,971; net-worth ratio 11.26%; health rank #3,346 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,346 of 4,374 health · 2025Q4Blue Flame · health 74/100 · $29.9M · 2025Q4
Call Report peers
Blue Flame in the assets neighbourhood
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Blue Flame vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Blue Flame sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Blue Flame
- Loan-to-Share Ratio leads the peer set - 87.15% here, 59.80% peer average (+27.35 pp).
- Largest lag: Net Worth Ratio at 11.26% vs peer 14.86% (-3.60 pp).
Blue Flame: in-state Call Report ranks
- North Carolina health ordinal: #40 of 57.
- North Carolina assets place: #43 of 57.
- Membership ranks #42 of 57 among North Carolina CUs with a reported count (2,971 members).
- One place up in North Carolina, Charlotte Fire Department (#39) ties at 74/100; one place down, GUCO (#41) scores 73/100, 1 point lower.
Quarter path for Blue Flame
Blue Flame: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $29.9M (2025Q4) to $30.6M (2026Q1).
- Net-worth ratio shifted -0.51 pp (11.77% → 11.26%).
11.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Blue Flame gives up 26 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 14.7 pts
Blue Flame vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | -3.60 pp |
| Delinquency Rate | 0.21% | -0.94 pp |
| Return on Assets | -1.84% | -2.55 pp |
| Member Growth | -2.59% | - |
| Loan-to-Share Ratio | 87.15% | +27.35 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Blue Flame
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.6M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Blue Flame.
| Office | City |
|---|---|
| Charlotte (Main Office) | Charlotte, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Other-state peers near Blue Flame
Using this data
- Blue Flame ranks #3,346 of 4,374 nationally on financial health and #40 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CS
Frequently Asked Questions
Is Blue Flame financially healthy?
Blue Flame has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,346 of 4,374 nationally on health and #40 of 57 in North Carolina. Its net worth ratio is 11.26% and its delinquency rate 0.21%.
How does Blue Flame compare to other credit unions?
Blue Flame scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.15% vs 59.80%). Its widest shortfall is net worth ratio (11.26% vs 14.86%).
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?
Blue Flame is a state-chartered credit union; its shares are federally 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 11.26% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.