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Credit union call report ยท Charlotte, NC

Blue Flame Credit Union Call Report

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Blue Flame Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 249 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Blue Flame Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number63519
Federal Reserve RSSD ID12094

The official copy: search charter number 63519 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Blue Flame Credit Union call report, Q2 2026

Statement of Financial Condition (29 items)
Blue Flame Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $177K
1c. Total Cash on Hand 730A $177K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $563K
2c. Cash on Deposit in Other Financial Institutions 730B2 $450K
2. Cash on Deposit (total) 730B $1.0M
3. Time Deposits in Banks and Credit Unions AS0007 $248K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $1.4M
12b. Perpetual Contributed Capital 769B $259K
12c. All Other Investments AS0016 $72K
13. TOTAL OTHER INVESTMENTS AS0017 $331K
15a. Number of Total Loans and Leases 025A 1,861
15b. Total Loans and Leases 025B $24.4M
17. ACL on Loans and Leases AS0048 $238K
19. Land and Building 007 $3.7M
20. Other Fixed Assets 008 $282K
21. NCUA Share Insurance Capitalization Deposit 794 $241K
22d. Accrued Interest on Loans 009A $48K
22f. All Other Assets 009C $103K
22g. Total Other Assets AS0036 $151K
23. TOTAL ASSETS 010 $30.3M
Accounts Payable and Other Liabilities 825 $345K
Member Shares of All Types 013 $24.8M
Nonmember Deposits 880 $1.7M
Total Shares and Deposits 018 $26.6M
Undivided Earnings 940 $3.5M
Net Income (equity) 602 -$176K
Total Net Worth 997 $3.3M
Net Worth Ratio 998 11.04%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $30.3M
Statement of Income and Expense (26 items)
Blue Flame Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $713K
3. Income from Investments 120 $29K
5. TOTAL INTEREST INCOME 115 $742K
6. Dividends on Shares 380 $8K
7. Interest on Deposits 381 $176K
9. TOTAL INTEREST EXPENSE 350 $183K
10. NET INTEREST INCOME IS0010 $558K
12a. Credit Loss Expense - Loans and Leases IS0011 -$3K
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 -$2K
12e. Total Credit Loss Expense IS0017 -$5K
13. Fee Income 131 $29K
14. Other Operating Income IS0020 $89K
20. Gain (Loss) on Sales of Other Real Estate Owned IS0030 $1K
22. Other Non-Operating Income 440 $35K
23. TOTAL NON-INTEREST INCOME 117 $155K
24. Employee Compensation and Benefits 210 $349K
25. Travel and Conference 230 $756
26. Office Occupancy 250 $29K
27. Office Operations 260 $149K
28. Educational and Promotional 270 $23K
29. Loan Servicing 280 $90K
30. Professional and Outside Services 290 $218K
32. Operating Fees 320 $9K
33. Miscellaneous Operating Expense 360 $27K
34. TOTAL NON-INTEREST EXPENSE 671 $893K
35. NET INCOME 661A -$176K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

Blue Flame Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $213K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $15K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $9K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $60K
Loans Granted Year-to-Date 031A $192
Amount of Loans Granted Year-to-Date 031B $5.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $47K
Number of current members (not number of accounts) 083 3,075
Number of potential members 084 1,266,399
Non-Member Deposits 457 $8
Interest Rate of Unsecured Credit Card Loans 521 990.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 899.00%
Interest Rate of New Vehicle Loans 523 439.00%
Interest Rate of Used Vehicle Loans 524 479.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $22K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $15K
Amount of Regular Shares 657 $9.9M
Amount of Share Drafts 902 $4.6M
IRA/KEOGH Accounts - < 1 Year 906A $2.7M
Share Certificates - < 1 Year 908A $5.1M
Total Amount of Share Certificates 908C $5.6M
Total Amount of Money Market Shares 911 $1.6M
Number of Used Vehicle Loans 968 507
NCUA data file FS220A (20 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Blue Flame Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $24.1M
Total Shares - 1-3 Years 013B1 $773K
Total Shares - > 3 Years 013B2 $15K
Total Shares and Deposits - < 1 Year 018A $25.5M
Total Shares and Deposits - 1-3 Years 018B1 $1.0M
Total Shares and Deposits - > 3 Years 018B2 $15K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 6
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $11.5M
Amount of New Vehicle Loans 385 $4.0M
Amount of Unsecured Credit Card Loans 396 $2.4M
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.6M
Share Certificates 451 $152
Number of Accounts for Share Drafts 452 1,320
IRA/KEOGH Accounts 453 $80
Number of Accounts for Regular Shares 454 3,143
Money Market Shares 458 $114
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,817
Number of credit union employees who are Full-Time (26 hours or more) 564A 7
Total credit lines 881 $4.0M
NCUA data file FS220B (23 items)

maturity and repricing buckets (40%), credit cards (17%)

Blue Flame Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 2
Total Amount of Delinquent Unsecured Credit Card Loans 045B $13K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.8M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.8M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $24.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $9.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $20K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Non-Member Deposits - < 1 Year 880A $1.5M
Non-Member Deposits - 1-3 Years 880B1 $250K
Amount of Share Drafts - < 1 Year 902A $4.6M
IRA/KEOGH Accounts - 1-3 Years 906B1 $338K
Total Amount of IRA/KEOGH Accounts 906C $3.1M
Share Certificates - 1-3 Years 908B1 $435K
Share Certificates - > 3 Years 908B2 $15K
Money Market Shares - < 1 Year 911A $1.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $228K
Number of New Vehicle Loans 958 118
Total Shares 966 $5K
Number of Unsecured Credit Card Loans 993 755
Number of All Other Unsecured Loans/Lines of Credit 994 331
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 12
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Blue Flame Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.8M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $1.6M
Outstanding balance of brokered certificates of deposit and share certificates 788 $248K
NCUA data file FS220D (27 items)

member services and products offered (69%), CUSO relationships (27%)

Blue Flame Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (3 items)

loans and leases (32%), participation loans (18%)

Blue Flame Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $41K
Total Aggregate Cash Outlay in CUSOs 853 $41K
Total Credit Lines at Corporate Credit Unions 884 $4.0M
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Blue Flame Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $5.8M
Total number of TDR loans outstanding 1000F $4
Total amount of TDR loans outstanding 1001F $79K
NCUA data file FS220I (6 items)

vehicle lending (59%), delinquency (44%)

Blue Flame Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $39K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $73K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $5K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $694
Amount of Grants Awarded Year-to-Date 926 $10K
Amount of Grants Received Year-to-Date 927 $10K
NCUA data file FS220J (1 item)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Blue Flame Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $2K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Blue Flame Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $24.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $2.9M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 545.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 700.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.5M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $548K
NCUA data file FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Blue Flame Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $2.0M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.4M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $96K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $2.4M
Total Unfunded Commitments for Non-Commercial Loans 816T $5.8M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 6
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 48
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 96
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Blue Flame Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $26.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $276K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $30.3M
NCUA data file FS220P (15 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Blue Flame Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $2K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $9K
Unsecured Credit Card Loans DL0002 $13K
All Other Unsecured Loans/Lines of Credit DL0022 $11K
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0025 $9K
All Other Unsecured Loans/Lines of Credit DL0027 $19K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $3
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $30K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $15K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $15K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $22K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $1
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $18K
NCUA data file FS220Q (13 items)

investment portfolio detail (69%)

Blue Flame Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $248K
Investment Maturity Distribution - Time Deposits - Total NV0116 $248K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $331K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $331K
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $248K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $331K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $579K
RBC Total Equity RB0001 $3.3M
RBC Allowance for Credit Losses RB0002 $238K
RBC Total Additions RB0005 $238K
RBC Total Deductions RB0009 $241K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.3M
RBC Risk-Based Capital Numerator RB0012 $3.3M
NCUA data file FS220R (32 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Blue Flame Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $331K
RBC Schedule Total Consumer Loans RB0060 $21.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $238K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $238K
RBC Schedule Total Loans RB0079 $24.1M
RBC Total for Risk Weighting Total Loans RB0081 -$238K
RBC Total Loans 0% Weight RB0082 -$238K
RBC Schedule Total Other Assets RB0088 $4.4M
RBC Total for Risk Weighting Other Assets RB0090 $241K
RBC Other Assets 0% Weight RB0091 $241K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $30.3M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $3K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $3K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $30.3M
RBC Allowance for Credit Losses (Loans) RB0177 $238K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 296,723.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 250,811.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $548K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 48.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 2,865,712.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 209,400.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $2.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $209K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $54
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.4M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $209K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $3.1M
Total Shares SH0013 $24.8M
Total Shares and Deposits SH0018 $26.6M
Total Non-Member Deposits SH0880 $1.7M
NCUA data file FS220S (4 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Blue Flame Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1
Person-to-Person payments PP0045 $1
Investment security exchange services PP0046 $1

Blue Flame Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Blue Flame Credit Union call report?

The Blue Flame Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Blue Flame Credit Union file?

Blue Flame Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Blue Flame Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Blue Flame Credit Union is 63519.

How often does Blue Flame Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Blue Flame Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.