BlastPoint's Credit Union Scorecard
BLUE FLAME
Charter #63519 · NC
BLUE FLAME has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 2.9% in tier
- + AMR Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.45% below tier average
- - Efficiency ratio 49.14% above tier (higher cost structure)
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,969
-2.2% YoY+0.6% QoQ
|
+343 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$29.4M
+2.2% YoY-3.2% QoQ
|
$-446K |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$22.8M
+20.8% YoY+1.0% QoQ
|
+$7.0M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$25.5M
+5.0% YoY-2.8% QoQ
|
+$44K |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
-1.8%
-8.5% YoY-7.9% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.6% in tier |
| NIM |
3.6%
+7.2% YoY+1.8% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
130.5%
-9.2% YoY-1.2% QoQ
|
+49.1% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.3% in tier |
| Delinquency Rate |
0.1%
-84.5% YoY-64.2% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
89.4%
+15.0% YoY+3.9% QoQ
|
+28.2% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 11.5% in tier |
| AMR |
$16,267
+14.4% YoY-1.7% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
64% |
| CD Concentration |
20.3%
+12.8% YoY+4.7% QoQ
|
-4.1% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)