Blue Flame Credit Union Charlotte, North Carolina
Blue Flame Credit Union is a state-chartered credit union headquartered in Charlotte, NC, established in 1954 (NCUA charter 63519), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,075 members and total assets of $30.3M (down 0.4% from Q2 2025), the 43rd largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 11.04% at Q2 2026, in the well capitalized band.
Also written as Blue Flame CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63519
- Headquarters
- Charlotte, NC
- Established
- 1954
- Total assets, Q2 2026
- $30.3M
- Assets vs Q2 2025
- -0.4%
- Members, Q2 2026
- 3,075
- Net worth ratio, Q2 2026
- 11.04%
- Latest call report
- Q2 2026, NCUA 5300 · Blue Flame Credit Union call report
- Asset rank in state
- 43rd of 56 in North Carolina
- Routing number
- 253074951
- Branches
- 1
It has 124 more members than on June 30, 2025 (+4.2%). Its net worth ratio was down 1.47 percentage points from 12.51% on June 30, 2025. Used vehicle loans are its largest loan category, $11.5M of $24.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.19% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.04% net worth ratio is below that band's 14.31% median.
Frequently asked about Blue Flame Credit Union
How big is Blue Flame Credit Union?
At Q2 2026 it reported total assets of $30.3M and 3,075 members.
Where is Blue Flame Credit Union headquartered?
It is headquartered in Charlotte, NC, United States.
When was Blue Flame Credit Union founded?
It was established in 1954, per NCUA records.
Is Blue Flame Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63519): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Blue Flame Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Blue Flame Credit Union well capitalized?
Its net worth ratio was 11.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Blue Flame Credit Union's delinquency ratio?
Its delinquency ratio was 0.19% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Blue Flame Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.74% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Charlotte, NC 28273
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 63519
- RSSD ID
- 12094
- Members
- 3,075
- Potential members
- 1,266,399
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.04% | 14.31% | 24th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.34% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -12.17% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.77% | 3.93% | 44th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 127.73% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.21% | 0.78% | 26th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.19% | 0.86% | 85th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.99% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 91.74% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$30.3M total assets against $30.4M; $26.6M total shares and deposits against $26.2M; $24.4M total loans against $22.6M.
$3.3M net worth against $3.8M.
11.04% net worth ratio against 12.51%.
91.74% loan-to-share ratio against 86.07%.
0.19% delinquency ratio against 0.14%.
-1.34% return on assets against -1.71%; -12.17% return on equity against -13.65%.
3.77% net interest margin against 3.65%.
3,075 members against 2,951.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.04% | -1.34% | 0.19% | 91.74% |
| March 31, 2026 | 11.26% | -0.97% | 0.34% | 88.57% |
| December 31, 2025 | 11.77% | -1.24% | 0.21% | 87.15% |
| September 30, 2025 | 12.55% | -1.48% | 0.05% | 89.41% |
| June 30, 2025 | 12.51% | -1.71% | 0.14% | 86.07% |
| March 31, 2025 | 13.28% | -2.14% | 0.26% | 86.26% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.