Civic Intelligence

State Chartered Credit Unions in North Carolina

990 • Fiscal year 2018 • EIN 56-0634448

Jan 01, 2018 to Dec 31, 2018 • Filed on May 15, 2019

Organization ProfileWWW.BLUEFLAMECU.ORG

View Organization Page

4301 Yancey RoadCharlotte, NC 28217

(704) 644-4949

Siviq Scores

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

Liabilities / Assets

17th percentile

0.81x

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

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

40th percentile

16.93x

Higher debt load relative to revenue than 40% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

12th percentile

0.9%

Higher net margin than 12% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

10th percentile

$0

Higher top officer pay than 10% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

4th percentile

-6.4%

Faster asset growth than 4% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

13th percentile

3.7%

Faster revenue growth than 13% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets17th percentile

Assets

Down

$31,609,195

Down $2,149,645 (-6.4%) from 2017

Net Assets

Up

$5,913,001

Up $19,715 (+0.3%) from 2017

Liabilities

Down

$25,696,194

Down $2,169,360 (-7.8%) from 2017

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin12th percentile

Revenue

Up

$1,517,427

Up $53,664 (+3.7%) from 2017

Expenses

Up

$1,503,162

Up $80,524 (+5.7%) from 2017

Net Income

Down

$14,265

Down $26,860 (-65%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2018

Assets$31,609,195
Liabilities$25,696,194
Net Assets$5,913,001
Open 2018 Filing

Operations Trend

Revenue Growth13th 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

2018

Revenue$1,517,427
Expenses$1,503,162
Net Income$14,265
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 15, 2019
Return Version
2018v3.1
Gross Receipts
$1,517,427
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$18,549,873$18,768,925▲ $219,052
Savings and Temporary Cash Investments$10,964,887$9,288,232▼ $1,676,655
Rtn Earn Endowment Incm Other Fnds$5,893,286$5,913,001▲ $19,715
Investments Program Related$3,795,716$3,147,716▼ $648,000
Prepaid Expenses and Deferred Charges$104,282$76,952▼ $27,330
Cash and Non-Interest-Bearing Accounts$688$1,076▲ $388
Land, Buildings, and Equipment, Net$80$81▲ $1
Total Assets$33,758,840$31,609,195▼ $2,149,645
Other Assets Total$343,314$326,213▼ $17,101
Liabilities
Other Liabilities$27,810,230$25,556,302▼ $2,253,928
Accounts Payable and Accrued Expenses$55,324$139,892▲ $84,568
Total Liabilities$27,865,554$25,696,194▼ $2,169,360
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,893,286$5,913,001▲ $19,715
Total Liabilities and Net Assets / Fund Balance$33,758,840$31,609,195▼ $2,149,645

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$81$242,472$242,553
Investment Program Related Org$747,000--
Compensation and Service Providers
Top Officer Pay10th percentile

Board Members and Trustees

NameTitle
Benjamin DavisBoard Member
Dawn ManleyBoard Member
Joel ZielazienskiBoard Member
Kevin SellBoard Member
Larry PettisBoard Member
Linda SeawellBoard Member
Lisa MccarterBoard Member
Michael DychesBoard Member
Milton Henderson JrBoard Member
Moses YoungBoard Member
Randy BostBoard Member
Ricky SimpsonBoard Member
Trudy WikeBoard Member
Virginia ParkerBoard Member
Yvonne DarnellBoard Member
Charles LoweCEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,312,240
Investment Income
$205,187
Other Revenue
$0
Change in Net Assets
$14,265
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,034,495
Salaries, Compensation, and Employee Benefits$468,667
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$421,800$46,867-$468,667
Information Technology$222,931--$222,931
Office Expenses$110,100--$110,100
Interest$94,454--$94,454
All Other Expenses$86,660--$86,660
Other Expenses$71,061--$71,061
Fees for Services Other$53,169--$53,169
Advertising$30,660--$30,660
Conferences and Meetings$19,603--$19,603
Occupancy$15,521--$15,521
Depreciation Depletion$9,849--$9,849
Total Functional Expenses$1,456,295$46,867$0$1,503,162
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$25,556,302
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“MEMBERS”

Form 990, Page 6, Part VI, Line 7A

“Directors and officers are elected ny members”

Form 990, Page 6, Part VI, Line 7B

“Decisions subject to member votes”

Form 990, Page 6, Part VI, Line 11B

“Sent to manager for review and signature”

Form 990, Page 6, Part VI, Line 12C

“Discussed individually to determine conflict”

Form 990, Page 6, Part VI, Line 19

“NCUA WEBSITE FPR”

Filing and Contact Details

Filer

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

Signing Officer

Name
Charles Lowe
Title
CEO
Phone
7045230075
Signed
2019-05-15
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
8
Volunteers
15

Preparer

Firm
Cantey Tiller Pierce & Green Llp
Address
PO BOX 862, CAMDEN, SC 29021
Preparer
Janet M Pierce
Phone
8034321436
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“N/A”

Raw XML AppendixShowing 400 of 407 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt055324
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0139892
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0LOANS TO MEMBERS
IRS990/AdvertisingGrp/ProgramServicesAmt030660
IRS990/AdvertisingGrp/TotalAmt030660
IRS990/AllOtherExpensesGrp/ProgramServicesAmt086660
IRS990/AllOtherExpensesGrp/TotalAmt086660
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BooksInCareOfDetail/PersonNm0CHARLES LOWE
IRS990/BooksInCareOfDetail/PhoneNum07046444949
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04301 YANCEY ROAD
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt04301 YANCEY ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHARLOTTE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd028217
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0688
IRS990/CashNonInterestBearingGrp/EOYAmt01076
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt019603
IRS990/ConferencesMeetingsGrp/TotalAmt019603
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0205187
IRS990/CYOtherExpensesAmt01034495
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01312240
IRS990/CYRevenuesLessExpensesAmt014265
IRS990/CYSalariesCompEmpBnftPaidAmt0468667
IRS990/CYTotalExpensesAmt01503162
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01517427
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt09849
IRS990/DepreciationDepletionGrp/TotalAmt09849
IRS990/Desc0DURING THE YEAR, THE CREDIT UNION SERVED IT'S MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES ON THOSE DEPOSITS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt053169
IRS990/FeesForServicesOtherGrp/TotalAmt053169
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/PersonNm0RANDY BOST
IRS990/Form990PartVIISectionAGrp/PersonNm1YVONNE DARNELL
IRS990/Form990PartVIISectionAGrp/PersonNm2BENJAMIN DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHAEL DYCHES
IRS990/Form990PartVIISectionAGrp/PersonNm4MILTON HENDERSON JR
IRS990/Form990PartVIISectionAGrp/PersonNm5DAWN MANLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6LISA MCCARTER
IRS990/Form990PartVIISectionAGrp/PersonNm7VIRGINIA PARKER
IRS990/Form990PartVIISectionAGrp/PersonNm8LARRY PETTIS
IRS990/Form990PartVIISectionAGrp/PersonNm9LINDA SEAWELL
IRS990/Form990PartVIISectionAGrp/PersonNm10KEVIN SELL
IRS990/Form990PartVIISectionAGrp/PersonNm11RICKY SIMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm12TRUDY WIKE
IRS990/Form990PartVIISectionAGrp/PersonNm13MOSES YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm14JOEL ZIELAZIENSKI
IRS990/Form990PartVIISectionAGrp/PersonNm15CHARLES LOWE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01517427
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt015
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0222931
IRS990/InformationTechnologyGrp/TotalAmt0222931
IRS990/InterestGrp/ProgramServicesAmt094454
IRS990/InterestGrp/TotalAmt094454
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0205187
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0205187
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt03795716
IRS990/InvestmentsProgramRelatedGrp/EOYAmt03147716
IRS990/IRPDocumentCnt0685
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0242472
IRS990/LandBldgEquipBasisNetGrp/BOYAmt080
IRS990/LandBldgEquipBasisNetGrp/EOYAmt081
IRS990/LandBldgEquipCostOrOtherBssAmt0242553
IRS990/LegalDomicileStateCd0NC
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0LOANS TO MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05893286
IRS990/NetAssetsOrFundBalancesEOYAmt05913001
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt015521
IRS990/OccupancyGrp/TotalAmt015521
IRS990/OfficeExpensesGrp/ProgramServicesAmt0110100
IRS990/OfficeExpensesGrp/TotalAmt0110100
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0343314
IRS990/OtherAssetsTotalGrp/EOYAmt0326213
IRS990/OtherExpensesGrp/Desc0DEBIT/ATM CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3MISC OPERATING
IRS990/OtherExpensesGrp/ProgramServicesAmt0118139
IRS990/OtherExpensesGrp/ProgramServicesAmt1114070
IRS990/OtherExpensesGrp/ProgramServicesAmt288278
IRS990/OtherExpensesGrp/ProgramServicesAmt371061
IRS990/OtherExpensesGrp/TotalAmt0118139
IRS990/OtherExpensesGrp/TotalAmt1114070
IRS990/OtherExpensesGrp/TotalAmt288278
IRS990/OtherExpensesGrp/TotalAmt371061
IRS990/OtherLiabilitiesGrp/BOYAmt027810230
IRS990/OtherLiabilitiesGrp/EOYAmt025556302
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt046867
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0421800
IRS990/OtherSalariesAndWagesGrp/TotalAmt0468667
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018549873
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt018768925
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0104282
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt076952
IRS990/PrincipalOfficerNm0CHARLES LOWE
IRS990/PriorPeriodAdjustmentsAmt05450
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01020962
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1219528
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt271750
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01020962
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1219528
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt271750
IRS990/ProgSrvcAccomActy2Grp/Desc0N/A
IRS990/ProgSrvcAccomActyOtherGrp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0136529
IRS990/PYOtherExpensesAmt0889208
IRS990/PYProgramServiceRevenueAmt01327234
IRS990/PYRevenuesLessExpensesAmt041125
IRS990/PYSalariesCompEmpBnftPaidAmt0533430
IRS990/PYTotalExpensesAmt01422638
IRS990/PYTotalRevenueAmt01463763
IRS990/ReconcilationRevenueExpnssAmt014265
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05893286
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05913001
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010964887
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09288232
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt081
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0242472
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0242553
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt02400716
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1747000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS 1-3 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1INVESTMENTS 3-5 YEARS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025556302
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES AND DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt081
IRS990ScheduleD/TotalBookValueProgramRltdAmt03147716
IRS990ScheduleD/TotalLiabilityAmt025556302
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DIRECTORS AND OFFICERS ARE ELECTED NY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DECISIONS SUBJECT TO MEMBER VOTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SENT TO MANAGER FOR REVIEW AND SIGNATURE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DISCUSSED INDIVIDUALLY TO DETERMINE CONFLICT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NCUA WEBSITE FPR
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0NC
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt033758840
IRS990/TotalAssetsEOYAmt031609195
IRS990/TotalAssetsGrp/BOYAmt033758840
IRS990/TotalAssetsGrp/EOYAmt031609195
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt046867
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01456295
IRS990/TotalFunctionalExpensesGrp/TotalAmt01503162
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt027865554
IRS990/TotalLiabilitiesEOYAmt025696194
IRS990/TotalLiabilitiesGrp/BOYAmt027865554
IRS990/TotalLiabilitiesGrp/EOYAmt025696194
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05893286
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05913001
IRS990/TotalProgramServiceRevenueAmt01312240
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01517427
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01517427
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt033758840
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt031609195
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt015
IRS990/VotingMembersIndependentCnt015
IRS990/WebsiteAddressTxt0WWW.BLUEFLAMECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES LOWE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07045230075
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BLUE FLAME CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BLUE
ReturnHeader/Filer/EIN0560634448
ReturnHeader/Filer/USAddress/AddressLine1Txt04301 YANCEY ROAD
ReturnHeader/Filer/USAddress/CityNm0CHARLOTTE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028217
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F9A6853F607C06F0F5AD43C1E6C90CE922A6342A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AE30496A62B46D8576CB2DA285076149EB93452B
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0206.74.13.32
ReturnHeader/FilingSecurityInformation/IPDt02019-05-24
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:33:08
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570568919
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CANTEY TILLER PIERCE & GREEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 862
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMDEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029021
ReturnHeader/PreparerPersonGrp/PhoneNum08034321436

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,609,195
Liabilities
$25,696,194
Net assets
$5,913,001
Revenue
$1,517,427
Expenses
$1,503,162
Net income
$14,265
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
2018Detailed filing. Detailed filing data is available for this year.$31.6$25.7$5.91$1.52$1.50$0.01
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$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. 2018 filings • 501(c)14 • $25M-$50M nonprofits