BlastPoint's Credit Union Scorecard
FLEXPAK
Charter #13599 · UT
FLEXPAK has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Fee Income Per Member: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 4.2% in tier
- - Asset Growth Rate: Bottom 4.3% in tier
- - Total Members: Bottom 5.4% in tier
- - Total Assets: Bottom 8.8% in tier
- - Total Deposits: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 29 that size in Utah.
- Shares and deposits -14.1% year over year ($1.5M in shares and deposits).
- Membership: 215 members, -0.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.03%.
- Efficiency ratio 62.71% vs a 88.77% peer average.
- Loan-to-share ratio 93.63% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215
-0.5% YoY-0.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
Bottom 5.3% in tier |
| Assets |
$1.9M
-10.9% YoY-1.2% QoQ
|
$-28.4M |
$30.3M
+1.5% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.8% in tier |
| Loans |
$1.4M
-15.7% YoY-1.0% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.1% in tier |
| Deposits |
$1.5M
-14.1% YoY-1.7% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.2% in tier |
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| ROA |
1.0%
+42.3% YoY-1.8% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
2.8%
+10.7% YoY-5.5% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
62.7%
-11.6% YoY-2.2% QoQ
|
-26.1% |
88.8%
-6.9% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
93.6%
-1.8% YoY+0.8% QoQ
|
+34.7% |
58.9%
-3.1% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Top 6.4% in tier |
| AMR |
$13,675
-14.5% YoY-0.9% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)