Blue Flame

Mobile, AL · 2 · Charter #64644 · www.blueflamecreditunion.or
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$10.2M
42th percentile
Members
773
28th percentile
Total loans
$3.8M
36th percentile
Total shares
$8.3M
42th percentile

Profitability

Return on assets
0.87%
52th percentile
Net interest margin
4.01%
51th percentile
Efficiency ratio
65.15%
54th percentile
Non-interest income ratio
8.32%
46th percentile

Capital & Risk

Net worth ratio
15.71%
55th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.39%
38th percentile
Loan-to-share
45.82%
29th percentile

Growth

Member growth YoY
-2.28%
40th percentile
Asset growth YoY
2.67%
60th percentile
Loan growth YoY
-9.22%
26th percentile
Share growth YoY
2.62%
62th percentile

Operations

Members / branch
773
37th percentile
Assets / member
$13,177
77th percentile
Field of membership penetration
51.53%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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