Side-by-side · Q2 2026 data
Members Credit Union vs Blue Flame Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Members Credit Union | Blue Flame Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 62 |
| Capital cushion | 98 (stronger) | 60 |
| Loan quality | 73 | 94 (stronger) |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 87th | 24th |
| Total assets | $477.1M | $30.3M |
| Deposits / shares | $404.2M | $26.6M |
| Capital ratio | 14.83% (stronger) | 11.04% |
| Problem loans | 0.82% | 0.19% (stronger) |
| Net charge-offs | 1.39% | 0.05% (stronger) |
| Return on assets | 1.06% (stronger) | -1.16% |
| Loans ÷ deposits | 46.5% (stronger) | 91.7% |
| Uninsured deposits | 3.3% (stronger) | 6.6% |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Members Credit Union leads on 5 and Blue Flame Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.