Credit union · NCUA insured
Blue Flame Credit Union
A $30.6M credit union headquartered in Charlotte, NC, with 3,036 members and 1 branch in North Carolina. Best rates: CDs 3.90% and savings 0.20% APY.
Blue Flame Credit Union Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#20 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Blue Flame Credit Union
- Headquarters
- 2000 Continental Blvd, Charlotte, NC 28273
- NCUA charter
- 63519
Branches
1 branch in North Carolina
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North Carolina
1 branch
- CharlotteMain office2000 Continental Blvd, Charlotte, NC 28273Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.04% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.19% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.17% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $92 | $59 | — |
- CapitalNet worth ratio11.04%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.19%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.17%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$92Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Blue Flame Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.