BlastPoint's Credit Union Scorecard
BLUE FLAME
Charter #63519 · NC
BLUE FLAME has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.27% below tier average
- - Efficiency ratio 45.94% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,971
-2.6% YoY+0.1% QoQ
|
+355 |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$29.9M
+4.7% YoY+1.7% QoQ
|
$-249K |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$22.7M
+10.5% YoY-0.3% QoQ
|
+$7.0M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$26.1M
+7.6% YoY+2.3% QoQ
|
+$392K |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
-1.7%
-14.1% YoY-6.8% QoQ
|
-2.3% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.8% in tier |
| NIM |
3.7%
+7.2% YoY+1.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
128.5%
-9.6% YoY-1.6% QoQ
|
+45.9% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.2%
-50.8% YoY+310.0% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
87.2%
+2.6% YoY-2.5% QoQ
|
+26.5% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 13.0% in tier |
| AMR |
$16,429
+11.8% YoY+1.0% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
20.2%
+11.5% YoY-0.5% QoQ
|
-4.2% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)