Civic Intelligence

State Chartered Credit Unions in North Carolina

990 • Fiscal year 2017 • EIN 56-0634448

Jan 01, 2017 to Dec 31, 2017 • Filed on May 02, 2018

Organization ProfileWWW.BLUEFLAMECU.ORG

View Organization Page

4301 Yancey RoadCharlotte, NC 28217

(704) 523-0075

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

17th percentile

0.83x

Higher debt load relative to assets than 17% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

45th percentile

19.04x

Higher debt load relative to revenue than 45% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

22nd percentile

2.8%

Higher net margin than 22% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

39th percentile

$90,000

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 6.1% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

1st percentile

-9.2%

Faster asset growth than 1% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

10th percentile

-2.2%

Faster revenue growth than 10% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets17th percentile

Assets

Down

$33,758,840

Down $3,403,011 (-9.2%) from 2016

Net Assets

Up

$5,893,286

Up $43,524 (+0.7%) from 2016

Liabilities

Down

$27,865,554

Down $3,446,535 (-11%) from 2016

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin22nd percentile

Revenue

Down

$1,463,763

Down $32,871 (-2.2%) from 2016

Expenses

Up

$1,422,638

Up $32,330 (+2.3%) from 2016

Net Income

Down

$41,125

Down $65,201 (-61%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2010: $34,251,419Liabilities 2010: $28,892,107Net Assets 2010: $5,359,3122010Assets 2011: $37,644,123Liabilities 2011: $32,221,123Net Assets 2011: $5,423,0002011Assets 2012: $37,627,165Liabilities 2012: $32,184,165Net Assets 2012: $5,443,0002012Assets 2013: $36,709,270Liabilities 2013: $31,144,377Net Assets 2013: $5,564,8932013Assets 2014: $35,516,384Liabilities 2014: $29,859,225Net Assets 2014: $5,657,1592014Assets 2015: $33,799,279Liabilities 2015: $28,055,843Net Assets 2015: $5,743,4362015Assets 2016: $37,161,851Liabilities 2016: $31,312,089Net Assets 2016: $5,849,7622016Assets 2017: $33,758,840Liabilities 2017: $27,865,554Net Assets 2017: $5,893,2862017Assets 2018: $31,609,195Liabilities 2018: $25,696,194Net Assets 2018: $5,913,0012018Assets 2019: $29,683,912Liabilities 2019: $23,769,911Net Assets 2019: $5,914,0012019Assets 2020: $32,035,812Liabilities 2020: $26,110,812Net Assets 2020: $5,925,0002020Assets 2021: $31,510,523Liabilities 2021: $25,616,523Net Assets 2021: $5,894,0002021Assets 2022: $32,790,566Liabilities 2022: $27,133,566Net Assets 2022: $5,657,0002022Assets 2023: $29,628,187Liabilities 2023: $25,070,548Net Assets 2023: $4,557,6392023Assets 2024: $28,554,173Liabilities 2024: $24,547,438Net Assets 2024: $4,006,7352024

Highlighted filing

2017

Assets$33,758,840
Liabilities$27,865,554
Net Assets$5,893,286
Open 2017 Filing

Operations Trend

Revenue Growth10th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,074,5022010Revenue 2011: $1,962,893Expenses 2011: $1,899,205Net Income 2011: $63,6882011Expenses 2012: $1,804,3342012Revenue 2013: $1,675,048Expenses 2013: $1,571,897Net Income 2013: $103,1512013Revenue 2014: $1,597,586Expenses 2014: $1,501,303Net Income 2014: $96,2832014Revenue 2015: $1,504,233Expenses 2015: $1,417,956Net Income 2015: $86,2772015Revenue 2016: $1,496,634Expenses 2016: $1,390,308Net Income 2016: $106,3262016Revenue 2017: $1,463,763Expenses 2017: $1,422,638Net Income 2017: $41,1252017Revenue 2018: $1,517,427Expenses 2018: $1,503,162Net Income 2018: $14,2652018Revenue 2019: $1,460,905Expenses 2019: $1,459,905Net Income 2019: $1,0002019Revenue 2020: $1,260,778Expenses 2020: $1,249,778Net Income 2020: $11,0002020Revenue 2021: $1,276,041Expenses 2021: $1,240,210Net Income 2021: $35,8312021Revenue 2022: $1,251,970Expenses 2022: $1,488,970Net Income 2022: -$237,0002022Revenue 2023: $1,325,679Expenses 2023: $2,148,826Net Income 2023: -$823,1472023Revenue 2024: $1,466,305Expenses 2024: $2,017,209Net Income 2024: -$550,9042024

Highlighted filing

2017

Revenue$1,463,763
Expenses$1,422,638
Net Income$41,125
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 2, 2018
Return Version
2017v2.2
Gross Receipts
$1,463,763
Mission and Program Overview

Mission

Programs of credit unions which offer a wide variety of personal financial services exclusively to their members.

LOANS TO MEMBERS

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,177,721$18,549,873▼ $627,848
Savings and Temporary Cash Investments$13,778,997$10,964,887▼ $2,814,110
Rtn Earn Endowment Incm Other Fnds$5,849,762$5,893,286▲ $43,524
Investments Program Related$3,794,716$3,795,716▲ $1,000
Prepaid Expenses and Deferred Charges$66,266$104,282▲ $38,016
Cash and Non-Interest-Bearing Accounts$670$688▲ $18
Land, Buildings, and Equipment, Net$10,403$80▼ $10,323
Total Assets$37,161,851$33,758,840▼ $3,403,011
Other Assets Total$333,078$343,314▲ $10,236
Liabilities
Other Liabilities$31,240,400$27,810,230▼ $3,430,170
Accounts Payable and Accrued Expenses$71,689$55,324▼ $16,365
Total Liabilities$31,312,089$27,865,554▼ $3,446,535
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,849,762$5,893,286▲ $43,524
Total Liabilities and Net Assets / Fund Balance$37,161,851$33,758,840▼ $3,403,011

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$80$232,746$232,826
Investment Program Related Org$249,000--
Other Assets Org$29,224--
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleBaseTotal
Eric E Nystrom-$102,589$102,589
Delores DockumBoard Member$90,000$90,000
Dawn BrightBoard Member$64,804$64,804
Milton HendersonBoard Member$61,000$61,000

Board Members and Trustees

NameTitle
Michael DychesBoard Chairman
Virginia ParkerBoard Vice Chairman
Joel ZielazienskiBoard Member
Kevin SellBoard Member
Linda SeawellBoard Member
Lisa MccarterBoard Member
Moses Randy YoungBoard Member
Randy BostBoard Member
Ricky SimpsonBoard Member
Yvonne DarnellBoard Member
Trudy WikeBoard Secretary
Larry PettisBoard Treasurer
Eric E NystromCEO
Charles LoweCOO
Amber ChurchCOO Assistant Manager
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,327,234
Investment Income
$136,529
Other Revenue
$0
Change in Net Assets
$41,125
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$889,208
Salaries, Compensation, and Employee Benefits$533,430
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$317,626
Information Technology---$245,842
Current Officers, Directors, Trustees, and Key Employees---$215,804
Office Expenses---$208,433
Interest---$93,461
Fees for Services Other---$56,038
Advertising---$33,836
Other Expenses---$31,919
Conferences and Meetings---$21,298
Occupancy---$16,447
Total Functional Expenses$0$0$0$1,422,638
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$27,810,230
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Blue Flame Credit Union
EIN
56-0634448
Phone
7045230075
Address
4301 YANCEY ROAD, CHARLOTTE, NC 28217

Signing Officer

Name
Charles Lowe
Title
Assistant Manager
Phone
7045230075
Signed
2018-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Lowe
Formed
1954
Legal Domicile
Nc
Voting Board Members
15
Independent Board Members
15
Employees
9
Volunteers
15

Preparer

Firm
Carolinas Credit Union League
Address
323 W Jones Street Suite 200, Raleigh, NC 27603
Preparer
Ladawn Atkinson
Phone
3363140812
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“MEMBERS”

Pt VI, Line 7A

“Directors and officers are elected by members”

Pt VI, Line 7B

“Decisions subject to member votes”

Pt VI, Line 11B

“Sent to manager for review and signature”

Pt XI

“prior period adjustment for CUSO Branch Earnings”

Form 990, Part IX, Line 24E

“CUSA SERVICE CENTER EXP”

Raw XML Appendix369 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/BuildingsGrp/BookValueAmt080
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0232746
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0232826
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03546716
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1249000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS 1-3 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1INVESTMENTS 3-5 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt030885
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1281887
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21318
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt329224
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INTEREST ON LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF INS CAPILIZATION
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INTEREST ON INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ALL OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027810230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES AND DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt080
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0343314
IRS990ScheduleD/TotalBookValueProgramRltdAmt03795716
IRS990ScheduleD/TotalLiabilityAmt027810230
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0102589
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ERIC E NYSTROM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0102589
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0NO, CEO RESIGNED
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt I Line 4a
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTORS AND OFFICERS ARE ELECTED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS SUBJECT TO MEMBER VOTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SENT TO MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4prior period adjustment for CUSO Branch Earnings
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CUSA SERVICE CENTER EXP
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt037161851
IRS990/TotalAssetsEOYAmt033758840
IRS990/TotalAssetsGrp/BOYAmt037161851
IRS990/TotalAssetsGrp/EOYAmt033758840
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/TotalAmt01422638
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt031312089
IRS990/TotalLiabilitiesEOYAmt027865554
IRS990/TotalLiabilitiesGrp/BOYAmt031312089
IRS990/TotalLiabilitiesGrp/EOYAmt027865554
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05849762
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05893286
IRS990/TotalProgramServiceRevenueAmt01327234
IRS990/TotalReportableCompFromOrgAmt0215804
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01463763
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01463763
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037161851
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033758840
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04301 YANCEY ROAD
IRS990/USAddress/CityNm0CHARLOTTE
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028217
IRS990/VotingMembersGoverningBodyCnt015
IRS990/VotingMembersIndependentCnt015
IRS990/WebsiteAddressTxt0WWW.BLUEFLAMECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES LOWE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ASSISTANT MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07045230075
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BLUE FLAME CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BLUE
ReturnHeader/Filer/EIN0560634448
ReturnHeader/Filer/PhoneNum07045230075
ReturnHeader/Filer/USAddress/AddressLine1Txt04301 YANCEY ROAD
ReturnHeader/Filer/USAddress/CityNm0CHARLOTTE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028217
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId090BEEB8AE062264D292DB6B44125583ABFF5BB72
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090BEEB8AE062264D292DB6B44125583ABFF5BB72
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt098.101.206.5
ReturnHeader/FilingSecurityInformation/IPDt02018-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm015:03:58
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CAROLINAS CREDIT UNION LEAGUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0323 W Jones Street Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Raleigh
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd027603
ReturnHeader/PreparerPersonGrp/PhoneNum03363140812
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LADAWN ATKINSON
ReturnHeader/ReturnTs02018-05-15T15:04:01-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,758,840
Liabilities
$27,865,554
Net assets
$5,893,286
Revenue
$1,463,763
Expenses
$1,422,638
Net income
$41,125
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.6$24.5$4.01$1.47$2.02$0.55
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.6$25.1$4.56$1.33$2.15$0.82
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.8$27.1$5.66$1.25$1.49$0.24
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.5$25.6$5.89$1.28$1.24$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.0$26.1$5.93$1.26$1.25$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.7$23.8$5.91$1.46$1.46$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.6$25.7$5.91$1.52$1.50$0.01
2017Detailed filing. Detailed filing data is available for this year.$33.8$27.9$5.89$1.46$1.42$0.04
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.2$31.3$5.85$1.50$1.39$0.11
2015Detailed filing. Detailed filing data is available for this year.$33.8$28.1$5.74$1.50$1.42$0.09
2014Detailed filing. Detailed filing data is available for this year.$35.5$29.9$5.66$1.60$1.50$0.10
2013Detailed filing. Detailed filing data is available for this year.$36.7$31.1$5.56$1.68$1.57$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.6$32.2$5.44$1.80
2011Summary only. Only limited summary data is available for this year.$37.6$32.2$5.42$1.96$1.90$0.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.3$28.9$5.36$2.07
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $25M-$50M nonprofits