BLUE FLAME
Charter #63519 · Charlotte, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.98% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.61% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.34% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 122.76% sits at the 95th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLUE FLAME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.58M | 63th pct | 44th pct |
| Members | 3,036 | 76th pct | 48th pct |
| Net worth ratio | 11.26% | 28th pct | 36th pct |
| Return on average assets | -0.98% | 6th pct | 5th pct |
| Net interest margin | 3.61% | 39th pct | 8th pct |
| Cost of funds | 0.06% | 4th pct | 3th pct |
| Loan-to-share | 88.57% | 93th pct | 84th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 16th pct |
| Net charge-off ratio | 0.27% | 60th pct | 26th pct |
| Loan growth YoY | 4.00% | 90th pct | 92th pct |
| Share growth YoY | 4.98% | 74th pct | 75th pct |
| Efficiency ratio | 122.76% | 98th pct | 95th pct |
structural peer set hash: 17bd34966327999323e6ffea66274897… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.