BlastPoint's Credit Union Scorecard

FLEXPAK

Charter #13599 · UT

<100M
2508 CUs in <100M nationally 29 in UT

FLEXPAK has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?
UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.90% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Loan-to-Share Ratio: Top 6.1% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -2.3% YoY
  • - Deposit Growth Rate: Bottom 3.1% in tier
  • - Asset Growth Rate: Bottom 3.7% in tier
  • - Fee Income Per Member: Bottom 4.7% in tier
  • - Total Members: Bottom 5.2% in tier
  • - AMR Growth Rate: Bottom 7.8% in tier
  • - Total Assets: Bottom 9.1% in tier
  • - Total Deposits: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 216
-2.3% YoY+0.5% QoQ
 -2.5K 2,676
+1.6% YoY
 80,723
+8.1% YoY
 33,913
+5.7% YoY
 Bottom 5.1% in tier
Assets $1.9M
-11.2% YoY+0.6% QoQ
 $-28.3M $30.2M
+1.3% YoY
 $1.3B
+11.9% YoY
 $578.3M
+9.0% YoY
 Bottom 9.0% in tier
Loans $1.4M
-8.6% YoY-2.6% QoQ
 $-13.8M $15.3M
-2.0% YoY
 $985.7M
+12.1% YoY
 $402.4M
+8.7% YoY
 Bottom 14.3% in tier
Deposits $1.5M
-14.3% YoY+0.4% QoQ
 $-24.2M $25.8M
+0.7% YoY
 $1.1B
+11.5% YoY
 $494.3M
+9.1% YoY
 Bottom 9.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.1%
-4.7% YoY+27.9% QoQ
 +0.9% 0.1%
-77.6% YoY
 0.4%
-49.8% YoY
 0.4%
-39.2% YoY
 71%
NIM 2.9%
+4.8% YoY+7.5% QoQ
 -1.1% 4.0%
+4.0% YoY
 3.4%
+1.0% YoY
 3.8%
+4.1% YoY
 16%
Efficiency Ratio 64.1%
+5.9% YoY-8.2% QoQ
 -26.5% 90.6%
+6.5% YoY
 74.1%
+0.8% YoY
 84.6%
+2.8% YoY
 17%
Delinquency Rate 0.0%
-100.0% QoQ
 -1.5 1.5%
+3.8% YoY
 0.7%
+20.4% YoY
 1.2%
+3.4% YoY
 Top 0.1% in tier
Loan To Share 92.9%
+6.6% YoY-3.0% QoQ
 +34.4% 58.5%
-3.0% YoY
 75.0%
-3.9% YoY
 65.6%
-1.4% YoY
 Top 6.3% in tier
AMR $13,803
-9.6% YoY-1.5% QoQ
 $-1K $14,884
-1.7% YoY
 $21,837
+4.8% YoY
 $19,920
+1.6% YoY
 49%
CD Concentration 0.0% -24.3% 24.3% 28.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.1% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
155
Loan-to-Share Ratio
balance_sheet
Value: 92.93%
Peer Median: 58.72%
#155 of 2508 Top 6.1% in <100M tier
418
Efficiency Ratio
profitability
Value: 64.12%
Peer Median: 81.45%
#418 of 2508 Top 16.6% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier
601
Net Worth Ratio
risk
Value: 19.40%
Peer Median: 14.28%
#601 of 2508 Top 23.9% in <100M tier

Top Weaknesses (10 metrics)

2431
Deposit Growth Rate
growth
Value: -14.27%
Peer Median: 0.66%
#2431 of 2508 Bottom 3.1% in <100M tier
2417
Asset Growth Rate
growth
Value: -11.20%
Peer Median: 1.30%
#2417 of 2508 Bottom 3.7% in <100M tier
2390
Fee Income Per Member
profitability
Value: $0.00
Peer Median: $60.42
#2390 of 2508 Bottom 4.7% in <100M tier
2379
Total Members
engagement
Value: 216
Peer Median: 1,918
#2379 of 2508 Bottom 5.2% in <100M tier
2313
AMR Growth Rate
growth
Value: -9.59%
Peer Median: 1.27%
#2313 of 2508 Bottom 7.8% in <100M tier
2282
Total Assets
balance_sheet
Value: $1.92M
Peer Median: $21.86M
#2282 of 2508 Bottom 9.1% in <100M tier
2270
Total Deposits
balance_sheet
Value: $1.55M
Peer Median: $18.77M
#2270 of 2508 Bottom 9.5% in <100M tier
2149
Total Loans
balance_sheet
Value: $1.44M
Peer Median: $9.48M
#2149 of 2508 Bottom 14.4% in <100M tier
2096
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Median: 3.83%
#2096 of 2508 Bottom 16.5% in <100M tier
2040
Members Per Employee (MPE)
engagement
Value: 216.000
Peer Median: 333.750
#2040 of 2508 Bottom 18.7% in <100M tier
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