Blue Flame Credit Union is a federally insured state-chartered credit union headquartered in Charlotte, North Carolina, in business for about 72 years. At the end of Q2 2026 it reported $30.3M in total assets and $26.6M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Blue Flame Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 40th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (0/100; -1.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (67 → 62), mostly because the capital cushion component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 70 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 64 |
| Q1 2026 | 61 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.46% |
| Q3 2024 | 14.94% |
| Q4 2024 | 14.31% |
| Q1 2025 | 13.28% |
| Q2 2025 | 12.51% |
| Q3 2025 | 12.55% |
| Q4 2025 | 11.77% |
| Q1 2026 | 11.26% |
| Q2 2026 | 11.04% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.19% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -2.09% |
| Q3 2024 | -1.93% |
| Q4 2024 | -1.93% |
| Q1 2025 | -2.14% |
| Q2 2025 | -1.90% |
| Q3 2025 | -1.80% |
| Q4 2025 | -1.64% |
| Q1 2026 | -0.97% |
| Q2 2026 | -1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $30.3M | 11.04% | 0.19% | -1.16% | 91.7% |
| Q1 2026 | 61 | $30.6M | 11.26% | 0.34% | -0.97% | 88.6% |
| Q4 2025 | 64 | $29.9M | 11.77% | 0.21% | -1.64% | 87.2% |
| Q3 2025 | 68 | $29.4M | 12.55% | 0.05% | -1.80% | 89.4% |
| Q2 2025 | 67 | $30.4M | 12.51% | 0.14% | -1.90% | 86.1% |
| Q1 2025 | 68 | $29.6M | 13.28% | 0.26% | -2.14% | 86.3% |
| Q4 2024 | 70 | $28.6M | 14.31% | 0.42% | -1.93% | 84.9% |
| Q3 2024 | 74 | $28.8M | 14.94% | 0.32% | -1.93% | 77.7% |
| Q2 2024 | 75 | $28.6M | 15.46% | 0.19% | -2.09% | 79.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Emergency Responders Credit UnionCredit union Winston Salem, NC | 57 out of 100, Moderate | $30.2M | 8.1% | 0.84% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| First Carolina People'S Credit UnionCredit union Goldsboro, NC | 21 out of 100, Low | $33.3M | 8.6% | 5.79% | vs |
| Oteen V. A. Federal Credit UnionCredit union Asheville, NC | 91 out of 100, Very strong | $34.3M | 13.0% | 0.15% | vs |
| Shuford Federal Credit UnionCredit union Hickory, NC | 75 out of 100, Strong | $36.1M | 13.7% | 0.89% | vs |
| McDowell Cornerstone Credit UnionCredit union Marion, NC | 70 out of 100, Strong | $38.3M | 17.7% | 2.53% | vs |
Deposit insurance
Is my money safe at Blue Flame Credit Union?
Yes. Blue Flame Credit Union is a federally insured credit union (NCUA charter #63519). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.6% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.04%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Blue Flame Credit Union lists 1 office in 1 city. Most locations:
- Charlotte, NC (1)
Identity & history
Profile
- Legal name
- Blue Flame Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63519
- RSSD ID
- 12094
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- PO Box 12400, Charlotte, NC 28220
- Employees
- 7
Quick answers
Blue Flame Credit Union: common questions
Is Blue Flame Credit Union NCUA insured?
Yes. Blue Flame Credit Union is a federally insured credit union (NCUA charter #63519). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Blue Flame Credit Union's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Blue Flame Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Charlotte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |
| Carolinas Telco Federal Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $506.3M | 15.1% | 0.91% | vs |
| Founders Federal Credit UnionCredit union Lancaster, SC | 79 out of 100, Strong | $5.2B | 13.6% | 0.68% | vs |