State credit union · Mobile, Alabama · NCUA charter #64644
Blue Flame
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $10.2M
- Total assets
- 773
- Members
- 15.0%
- Net-worth ratio
Blue Flame scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.2M; members 773; net-worth ratio 15.05%; health rank #1,929 of 4,374; healthier than 54th of scored peers.
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NCUA 5300 Call Report Masthead
#1,929 of 4,374 health · 2025Q4Blue Flame · health 85/100 · $10.2M · 2025Q4
Call Report peers
Blue Flame in the assets neighbourhood
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Blue Flame vs every NCUA-scored credit union
Blue Flame sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Blue Flame: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.15% (-1.15 pp).
- Largest lag: Loan-to-Share Ratio at 45.82% vs peer 59.80% (-13.98 pp).
Where Blue Flame sits in Alabama
- In Alabama, health place is #37 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #70 of 89 inside Alabama ($10.2M reported).
- Membership ranks #78 of 89 among Alabama CUs with a reported count (773 members).
- One place up in Alabama, Railway Employees (#36) ties at 85/100; one place down, ALATRUST (#38) ties at 85/100.
Blue Flame Call Report trajectory
Blue Flame: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $10.2M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted -0.66 pp (15.71% → 15.05%).
15.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Blue Flame gives up 15 points in total. Member Growth costs the most, 10.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 10.1 pts
Blue Flame health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.05% | +0.19 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.14% | +0.44 pp |
| Member Growth | -2.28% | - |
| Loan-to-Share Ratio | 45.82% | -13.98 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Blue Flame quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.7M | - |
| 2025Q4 | $10.2M | 773 |
| 2024Q4 | $9.9M | 791 |
| 2023Q4 | $9.7M | 809 |
Credit Union Details
- Charter Number
- 64644
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Mobile
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Blue Flame runs one office.
| Office | City |
|---|---|
| Main (Main Office) | Mobile, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Cross-state Call Report peers for Blue Flame
Similar total assets
Similar health score
Using this data
- Blue Flame ranks #1,929 of 4,374 nationally on financial health and #37 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OPP-MICOLAS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OPP-MICOLAS
Frequently Asked Questions
Is Blue Flame financially healthy?
On its 2025Q4 NCUA 5300 filing, Blue Flame scores 85/100 (Excellent), with a 15.05% net worth ratio and 0.00% of loans delinquent. It ranks #1,929 of 4,374 nationally on health and #37 of 89 in Alabama.
How does Blue Flame compare to other credit unions?
Blue Flame scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (45.82% vs 59.80%).
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 15.05% 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.