BlastPoint's Credit Union Scorecard
FLEXPAK
Charter #13599 · UT
2556 CUs in <100M nationally
29 in UT
FLEXPAK has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + 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 6.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.88% above tier average
- - Member decline: -7.7% YoY
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Total Members: Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 8.0% in tier
- - Member Growth Rate: Bottom 8.6% in tier
- - Asset Growth Rate: Bottom 9.0% in tier
- - Total Assets: Bottom 9.2% in tier
- - Total Deposits: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215
-7.7% YoY-0.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$1.9M
-6.9% YoY-0.7% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.1% in tier |
| Loans |
$1.5M
-11.3% YoY-4.7% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.4% in tier |
| Deposits |
$1.5M
-9.3% YoY-1.1% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.7% in tier |
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| ROA |
0.8%
+1127.7% YoY+17.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
2.7%
+8.1% YoY+5.5% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio |
69.8%
+7.5% YoY-4.3% QoQ
|
-12.7% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
6.4%
+2624.4% YoY
|
+4.9 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Top 4.3% in tier |
| Loan To Share |
95.8%
-2.2% YoY-3.6% QoQ
|
+35.1% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 6.2% in tier |
| AMR |
$14,013
-2.8% YoY-2.5% QoQ
|
$-770 |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
157
Loan-to-Share Ratio
balance_sheet
Value:
95.76%
Peer Median: -
#157 of 2556
Top 6.1% in <100M tier
638
Net Worth Ratio
risk
Value:
19.25%
Peer Median: -
#638 of 2556
Top 24.9% in <100M tier
Top Weaknesses (13 metrics)
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2446
Total Delinquency Rate (60+ days)
risk
Value:
6.43%
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2426
Total Members
engagement
Value:
215
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2353
Deposit Growth Rate
growth
Value:
-9.33%
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2336
Member Growth Rate
growth
Value:
-7.73%
Peer Median: -
#2336 of 2556
Bottom 8.6% in <100M tier
2327
Asset Growth Rate
growth
Value:
-6.95%
Peer Median: -
#2327 of 2556
Bottom 9.0% in <100M tier
2323
Total Assets
balance_sheet
Value:
$1.91M
Peer Median: -
#2323 of 2556
Bottom 9.2% in <100M tier
2309
Total Deposits
balance_sheet
Value:
$1.54M
Peer Median: -
#2309 of 2556
Bottom 9.7% in <100M tier
2251
Net Interest Margin (NIM)
profitability
Value:
2.72%
Peer Median: -
#2251 of 2556
Bottom 12.0% in <100M tier
2189
Total Loans
balance_sheet
Value:
$1.47M
Peer Median: -
#2189 of 2556
Bottom 14.4% in <100M tier