BlastPoint's Credit Union Scorecard
FLEXPAK
Charter #13599 · UT
2596 CUs in <100M nationally
30 in UT
FLEXPAK has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Members: Bottom 5.2% in tier
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 8.7% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
216
-2.7% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Bottom 5.1% in tier |
| Assets |
$1.9M
-9.0% YoY-9.7% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.5% in tier |
| Loans |
$1.5M
-8.4% YoY-8.3% QoQ
|
$-14.2M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
15% |
| Deposits |
$1.6M
-11.2% YoY-11.9% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.1% in tier |
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| ROA |
0.7%
+65.8% YoY-3.9% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
2.6%
+3.5% YoY+3.3% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio |
73.0%
+7.7% YoY+2.9% QoQ
|
-8.4% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
99.3%
+3.2% YoY+4.1% QoQ
|
+38.1% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 4.4% in tier |
| AMR |
$14,368
-7.3% YoY-10.2% QoQ
|
$-259 |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
111
Loan-to-Share Ratio
balance_sheet
Value:
99.33%
Peer Avg: -
#111 of 2596
Top 4.2% in <100M tier
643
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,160
Peer Avg: -
#643 of 2596
Top 24.7% in <100M tier
Top Weaknesses (10 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2463
Total Members
engagement
Value:
216
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2442
Deposit Growth Rate
growth
Value:
-11.20%
Peer Avg: -
#2442 of 2596
Bottom 6.0% in <100M tier
2428
Asset Growth Rate
growth
Value:
-9.01%
Peer Avg: -
#2428 of 2596
Bottom 6.5% in <100M tier
2372
Net Interest Margin (NIM)
profitability
Value:
2.58%
Peer Avg: -
#2372 of 2596
Bottom 8.7% in <100M tier
2349
Total Assets
balance_sheet
Value:
$1.92M
Peer Avg: -
#2349 of 2596
Bottom 9.6% in <100M tier
2334
Total Deposits
balance_sheet
Value:
$1.56M
Peer Avg: -
#2334 of 2596
Bottom 10.1% in <100M tier
2285
AMR Growth Rate
growth
Value:
-7.31%
Peer Avg: -
#2285 of 2596
Bottom 12.0% in <100M tier
2204
Total Loans
balance_sheet
Value:
$1.55M
Peer Avg: -
#2204 of 2596
Bottom 15.1% in <100M tier
2118
Members Per Employee (MPE)
engagement
Value:
216.000
Peer Avg: -
#2118 of 2596
Bottom 18.5% in <100M tier