BLUE FLAME
Charter #64644 · Mobile, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 769 sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.38% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.36% sits at the 77th 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 | $10.72M | 3th pct | 15th pct |
| Members | 769 | 2th pct | 5th pct |
| Net worth ratio | 15.05% | 60th pct | 69th pct |
| Return on average assets | 0.49% | 41th pct | 28th pct |
| Net interest margin | 3.38% | 29th pct | 25th pct |
| Cost of funds | 0.68% | 43th pct | 52th pct |
| Loan-to-share | 43.76% | 26th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.04% | 14th pct | 15th pct |
| Loan growth YoY | 0.84% | 76th pct | 67th pct |
| Share growth YoY | 13.51% | 98th pct | 95th pct |
| Efficiency ratio | 87.36% | 68th pct | 77th pct |
structural peer set hash: 95835758f55a862ad4166d7d7072e712… (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.