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 9.2% in tier
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 32.13% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,036
+3.7% YoY+2.2% QoQ
|
+359 |
2,676
+1.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$30.6M
+3.4% YoY+2.3% QoQ
|
+$388K |
$30.2M
+1.3% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$23.7M
+8.6% YoY+4.3% QoQ
|
+$8.4M |
$15.3M
-2.0% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$26.8M
+5.8% YoY+2.6% QoQ
|
+$987K |
$25.8M
+0.7% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
-1.0%
-55.5% YoY-41.4% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.7% in tier |
| NIM |
3.6%
+0.5% YoY-3.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
122.8%
-3.2% YoY-4.5% QoQ
|
+32.1% |
90.6%
+6.5% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
0.3%
+31.8% YoY+63.7% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
88.6%
+2.7% YoY+1.6% QoQ
|
+30.1% |
58.5%
-3.0% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 9.3% in tier |
| AMR |
$16,627
+3.3% YoY+1.2% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
19.9%
+15.3% YoY-1.5% QoQ
|
-4.4% | 24.3% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)