Blue Flame Credit Union Mobile, Alabama
Blue Flame Credit Union is a state-chartered credit union headquartered in Mobile, AL, established in 1954 (NCUA charter 64644), and it is regulated and insured by the NCUA. At Q2 2026 it reported 770 members and total assets of $10.7M (up 7.4% from Q2 2025), the 68th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 15.36% 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
- 64644
- Headquarters
- Mobile, AL
- Established
- 1954
- Total assets, Q2 2026
- $10.7M
- Assets vs Q2 2025
- +7.4%
- Members, Q2 2026
- 770
- Net worth ratio, Q2 2026
- 15.36%
- Latest call report
- Q2 2026, NCUA 5300 · Blue Flame Credit Union call report
- Asset rank in state
- 68th of 87 in Alabama
- Routing number
- 265176012
- Branches
- 1
It has 9 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was down 0.34 percentage points from 15.70% on June 30, 2025. Used vehicle loans are its largest loan category, $2.0M of $3.8M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Alabama
Frequently asked about Blue Flame Credit Union
How big is Blue Flame Credit Union?
At Q2 2026 it reported total assets of $10.7M and 770 members.
Where is Blue Flame Credit Union headquartered?
It is headquartered in Mobile, AL, 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 64644): 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 15.36% 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 loan-to-share ratio?
Its loan-to-share ratio was 43.15% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mobile, AL 36606
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 64644
- RSSD ID
- 640796
- Members
- 770
- Potential members
- 1,500
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 0 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.36% | 14.31% | 55th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.91% | 0.72% | 58th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.95% | 4.74% | 58th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.89% | 3.93% | 49th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.30% | 79.83% | 53rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.11% | 0.78% | 32nd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.01% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 43.15% | 58.92% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.7M total assets against $9.9M; $8.8M total shares and deposits against $8.1M; $3.8M total loans against $4.0M.
$1.6M net worth against $1.6M.
15.36% net worth ratio against 15.70%.
43.15% loan-to-share ratio against 49.38%.
0.91% return on assets against 1.24%; 5.95% return on equity against 7.92%.
3.89% net interest margin against 4.49%.
770 members against 779.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.36% | 0.91% | — | 43.15% |
| March 31, 2026 | 15.05% | 0.48% | — | 43.76% |
| December 31, 2025 | 15.71% | 0.63% | — | 45.82% |
| September 30, 2025 | 16.39% | 1.05% | 0.45% | 49.26% |
| June 30, 2025 | 15.70% | 1.24% | 0.03% | 49.38% |
| March 31, 2025 | 15.10% | 0.62% | — | 50.37% |
Scroll sideways to see every column.
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.