BlastPoint's Credit Union Scorecard

BLUE FLAME

Charter #64644 ยท AL

2596 CUs in <100M nationally 54 in AL

BLUE FLAME has 3 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -3.6% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 768
-3.6% YoY-1.4% QoQ
-1.9K 2,625
-2.2% YoY
29,240
-2.8% YoY
33,089
+6.1% YoY
22%
Assets $9.7M
-1.4% YoY-2.6% QoQ
$-20.2M $29.9M
+1.1% YoY
$436.7M
+7.4% YoY
$547.7M
+7.8% YoY
31%
Loans $3.8M
-10.6% YoY-3.7% QoQ
$-11.9M $15.8M
-2.4% YoY
$258.0M
+6.8% YoY
$388.7M
+8.6% YoY
28%
Deposits $7.8M
-2.5% YoY-3.5% QoQ
$-17.7M $25.5M
+0.4% YoY
$382.5M
+6.8% YoY
$464.6M
+9.3% YoY
31%

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ROA 1.0%
-23.1% YoY+5.4% QoQ
+0.3% 0.7%
-731.4% YoY
0.8%
+31.6% YoY
0.7%
+273.4% YoY
60%
NIM 4.1%
+3.9% YoY+1.6% QoQ
+0.2% 3.9%
+3.8% YoY
3.7%
+6.4% YoY
3.7%
+5.0% YoY
60%
Efficiency Ratio 78.8%
+10.4% YoY-1.0% QoQ
-2.5% 81.4%
-2.4% YoY
76.4%
-6.2% YoY
79.1%
-3.3% YoY
52%
Delinquency Rate 0.5%
+1208.1% QoQ
-1.1 1.5%
-2.0% YoY
1.7%
+18.9% YoY
1.2%
-0.9% YoY
40%
Loan To Share 49.3%
-8.3% YoY-0.3% QoQ
-12.0% 61.2%
-3.0% YoY
60.8%
-1.6% YoY
68.0%
-1.7% YoY
31%
AMR $15,149
-1.7% YoY-2.2% QoQ
+$522 $14,627
-2.7% YoY
$17,062
+2.3% YoY
$19,418
+1.3% YoY
58%
CD Concentration 15.6%
+20.5% YoY+15.8% QoQ
-8.8% 24.4%
+4.2% YoY
20.8%
+2.9% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
5.4%
-6.7% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (1 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier

Top Weaknesses (2 metrics)

2087
Loan Growth Rate
growth
Value: -10.56%
Peer Avg: -
#2087 of 2596 Bottom 19.6% in <100M tier
2025
Total Members
engagement
Value: 768
Peer Avg: -
#2025 of 2596 Bottom 22.0% in <100M tier
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