| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +8.6% | -2.4% | +11.0 pts |
| ROA | -0.97% | 0.60% | -1.6 pts |
| ROE | -8.6% | 4.1% | -12.7 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.6M | $26.8M | $23.7M | $3.4M | $-74K | -0.97% | 3.57% | 0.34% | 3,036 |
| Q4 2025 | $29.9M | $26.1M | $22.7M | $3.5M | $-489K | -1.64% | 3.65% | 0.21% | 2,971 |
| Q3 2025 | $29.4M | $25.5M | $22.8M | $3.7M | $-397K | -1.80% | 3.69% | 0.05% | 2,969 |
| Q2 2025 | $30.4M | $26.2M | $22.6M | $3.8M | $-288K | -1.90% | 3.52% | 0.14% | 2,951 |
| Q1 2025 | $29.6M | $25.3M | $21.8M | $3.9M | $-158K | -2.14% | 3.49% | 0.26% | 2,929 |
| Q4 2024 | $28.6M | $24.2M | $20.6M | $4.1M | $-551K | -1.93% | 3.45% | 0.42% | 3,050 |
| Q3 2024 | $28.8M | $24.3M | $18.9M | $4.3M | $-416K | -1.93% | 3.38% | 0.32% | 3,035 |
| Q2 2024 | $28.6M | $24.1M | $19.2M | $4.5M | $-300K | -2.09% | 3.35% | 0.19% |
| Ratio | Blue Flame Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.97% | 0.60% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -8.6% | 4.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,033 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $18.6M · securities $827K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.8% | 81.5% | 95th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Blue Flame Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Blue Flame Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Blue Flame Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Blue Flame Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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