BlastPoint's Credit Union Scorecard
BLUE FLAME
Charter #63519 · NC
BLUE FLAME has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 7.3% in tier
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 36.54% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +1.3% year over year ($26.6M in shares and deposits).
- Membership: 3,075 members, +4.2% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 1.15%.
- Efficiency ratio 125.31% vs a 88.77% peer average.
- Loan-to-share ratio 91.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,075
+4.2% YoY+1.3% QoQ
|
+489 |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$30.3M
-0.4% YoY-1.0% QoQ
|
$-13K |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$24.4M
+8.0% YoY+2.8% QoQ
|
+$8.9M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$26.6M
+1.3% YoY-0.7% QoQ
|
+$777K |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
1.2%
-160.1% YoY-219.3% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.7%
+2.8% YoY+2.8% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
125.3%
-5.2% YoY+2.1% QoQ
|
+36.5% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
0.2%
+37.8% YoY-42.7% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
91.7%
+6.6% YoY+3.6% QoQ
|
+32.8% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 7.4% in tier |
| AMR |
$16,574
+0.2% YoY-0.3% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
20.9%
+7.8% YoY+5.1% QoQ
|
-3.7% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.6% | 7.7% | 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)