Civic Intelligence

Blue Flame Credit Union

EIN 56-0634448 • 501(c)14 • Charlotte, NC

View Organization Page

Profile

LOANS TO MEMBERS

4301 Yancey RoadCharlotte, NC 28217

www.blueflamecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.88x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

45th percentile

15.84x

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

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

5th percentile

-29%

Higher net margin than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

50th percentile

$114,006

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

77th percentile

4.7%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

66th percentile

14%

Faster revenue growth than 66% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$28,554,173

Down $1,074,014 (-3.6%) from 2023

Liabilities

Down

$24,547,438

Down $523,110 (-2.1%) from 2023

Net Assets

Down

$4,006,735

Down $550,904 (-12%) from 2023

Operations
Liabilities / Revenue45th percentileNet Margin5th percentile

Revenue

Up

$1,466,305

Up $140,626 (+11%) from 2023

Expenses

Down

$2,017,209

Down $131,617 (-6.1%) from 2023

Net Income

Up

-$550,904

Up $272,243 (+33%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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

2024

Assets$28,554,173
Liabilities$24,547,438
Net Assets$4,006,735
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$1,466,305
Expenses$2,017,209
Net Income-$550,904
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$28,554,173
Liabilities
$24,547,438
Net assets
$4,006,735
Revenue
$1,466,305
Expenses
$2,017,209
Net income
-$550,904
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
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
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 15, 2021
Return Version
2020v4.0
Gross Receipts
$1,260,778
Mission and Program Overview

Mission

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

Providing low cost loans financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,415,488$15,922,418▼ $1,493,070
Savings and Temporary Cash Investments$9,747,973$12,709,785▲ $2,961,812
Rtn Earn Endowment Incm Other Fnds$5,914,001$5,925,000▲ $10,999
Cash and Non-Interest-Bearing Accounts-$2,191,538-
Land, Buildings, and Equipment, Net$490,417$610,017▲ $119,600
Investments Program Related$1,603,716$501,522▼ $1,102,194
Prepaid Expenses and Deferred Charges$62,759$77,346▲ $14,587
Accounts Receivable-$23,186-
Total Assets$29,683,912$32,035,812▲ $2,351,900
Other Assets Total$363,559--
Liabilities
Other Liabilities$23,639,962$25,875,224▲ $2,235,262
Accounts Payable and Accrued Expenses$129,949$235,588▲ $105,639
Total Liabilities$23,769,911$26,110,812▲ $2,340,901
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,914,001$5,925,000▲ $10,999
Total Liabilities and Net Assets / Fund Balance$29,683,912$32,035,812▲ $2,351,900

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$231,061--
Other Land Buildings$593,627--
Equipment$16,390$293,787-
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Charles LoweCEOFT$99,494$99,494

Board Members and Trustees

NameTitle
Benjamin DavisDirector
Dawn ManleyDirector
Joel ZielazienskiDirector
Kevin SellDirector
Larry PettisDirector
Linda SeawellDirector
Lisa MccarterDirector
Michael DychesDirector
Milton HendersonDirector
Moses YoungDirector
Randy BostDirector
Ricky SimpsonDirector
Trudy WikeDirector
Virgina ParkerDirector
Yvonne DarnellDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,167,433
Investment Income
$93,345
Other Revenue
$0
Change in Net Assets
$11,000
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$712,032
Salaries, Compensation, and Employee Benefits$537,746
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$459,440--$459,440
Other Salaries and Wages$343,042--$343,042
Fees for Services Accounting$147,678--$147,678
Current Officers, Directors, Trustees, and Key Employees$99,494--$99,494
Interest$97,984--$97,984
Other Employee Benefits$52,557--$52,557
Fees for Services Other$42,101--$42,101
Payroll Taxes$33,408--$33,408
Insurance$27,028--$27,028
Advertising$19,086--$19,086
Occupancy$16,919--$16,919
Pension Plan Contributions$9,245--$9,245
All Other Expenses$8,002--$8,002
Travel$6,717--$6,717
Conferences and Meetings$3,500--$3,500
Depreciation Depletion$3,455--$3,455
Fees for Services Legal$2,970--$2,970
Other Expenses$-158,370--$-158,370
Total Functional Expenses$1,249,778$0$0$1,249,778
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
Member Deposits$25,875,224
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Each member gets one vote in election of each director position”

Part VI Line 7A

“Each member gets one vote in election of each director position”

Part VI Line 11B

“Ceo reviews 990 & makes copies avialable to board”

Part VI Line 12C

“Members with possible conflicts are excused from discussions & voting”

Part VI Line 15A or B

“Industry salary surveys are used as a guide by the board to set salaries”

Part VI Line 19

“Financial statements are posted in the lobby and other items that are”

Part VI Line 19

“Required to be disclosed are available upon request”

Filing and Contact Details

Filer

Filer Name
Blue Flame Credit Union
EIN
56-0634448
In Care Of
% CHARLES LOWE
Phone
7045230075
Address
4301 YANCEY ROAD, CHARLOTTE, NC 28217

Signing Officer

Name
Charles Lowe
Title
CEO
Phone
7045230075
Signed
2021-10-15

Organization Details

Principal Officer
Charles Lowe
Formed
1954
Legal Domicile
Nc
Voting Board Members
15
Independent Board Members
15
Employees
13
Volunteers
15
Raw XML AppendixShowing 400 of 430 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/AccountantCompileOrReviewInd0false
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IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0235588
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IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDING LOW COST LOANS FINANCIAL SERVICES TO MEMBERS
IRS990/AdvertisingGrp/ProgramServicesAmt019086
IRS990/AdvertisingGrp/TotalAmt019086
IRS990/AllOtherExpensesGrp/ProgramServicesAmt08002
IRS990/AllOtherExpensesGrp/TotalAmt08002
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0CHARLES LOWE
IRS990/BooksInCareOfDetail/PhoneNum07045230075
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04301 YANCEY ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHARLOTTE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd028217
IRS990/BusinessRlnWith35CtrlEntInd0false
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt099494
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt099494
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt03500
IRS990/ConferencesMeetingsGrp/TotalAmt03500
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt093345
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IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01167433
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IRS990/CYSalariesCompEmpBnftPaidAmt0537746
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IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01260778
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt03455
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IRS990/Desc0Personal financial services exclusively to members featuring competitive rates on loans & investments, and other products and services
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt01249778
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
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IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL DYCHES
IRS990/Form990PartVIISectionAGrp/PersonNm2VIRGINA PARKER
IRS990/Form990PartVIISectionAGrp/PersonNm3TRUDY WIKE
IRS990/Form990PartVIISectionAGrp/PersonNm4LARRY PETTIS
IRS990/Form990PartVIISectionAGrp/PersonNm5LISA MCCARTER
IRS990/Form990PartVIISectionAGrp/PersonNm6RANDY BOST
IRS990/Form990PartVIISectionAGrp/PersonNm7DAWN MANLEY
IRS990/Form990PartVIISectionAGrp/PersonNm8YVONNE DARNELL
IRS990/Form990PartVIISectionAGrp/PersonNm9KEVIN SELL
IRS990/Form990PartVIISectionAGrp/PersonNm10LINDA SEAWELL
IRS990/Form990PartVIISectionAGrp/PersonNm11MOSES YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm12MILTON HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm13JOEL ZIELAZIENSKI
IRS990/Form990PartVIISectionAGrp/PersonNm14RICKY SIMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm15BENJAMIN DAVIS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt099494
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH MEMBER GETS ONE VOTE IN ELECTION OF EACH DIRECTOR POSITION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER GETS ONE VOTE IN ELECTION OF EACH DIRECTOR POSITION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO REVIEWS 990 & MAKES COPIES AVIALABLE TO BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS WITH POSSIBLE CONFLICTS ARE EXCUSED FROM DISCUSSIONS & VOTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS THAT ARE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
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IRS990/USAddress/AddressLine1Txt04301 YANCEY ROAD

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