Side-by-side · Q2 2026 data
Blue Flame Credit Union vs Emergency Responders Credit Union
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Blue Flame Credit Union | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 57 |
| Capital cushion | 60 (stronger) | 31 |
| Loan quality | 94 (stronger) | 72 |
| Earnings | 0 | 50 (stronger) |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 97 (stronger) | 84 |
| Peer percentile | 24th | 17th |
| Total assets | $30.3M | $30.2M |
| Deposits / shares | $26.6M | $27.5M |
| Capital ratio | 11.04% (stronger) | 8.12% |
| Problem loans | 0.19% (stronger) | 0.84% |
| Net charge-offs | 0.05% (stronger) | 1.96% |
| Return on assets | -1.16% | 0.75% (stronger) |
| Loans ÷ deposits | 91.7% | 87.4% (stronger) |
| Uninsured deposits | 6.6% (stronger) | 11.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Blue Flame Credit Union has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Blue Flame Credit Union leads on 5 and Emergency Responders Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.