Federal credit union · Woods Cross, Utah · NCUA charter #13599
Flexpak
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $1.9M
- Total assets
- 215
- Members
- 11.7%
- Net-worth ratio
Flexpak - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13599 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Flexpak - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)52
- Member growth0
- Liquidity (loan-to-share)83
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.66% | 30% |
| Delinquency Rate | 6.43% | 25% |
| Return on Assets | 0.07% | 15% |
| Member Growth | -7.73% | 15% |
| Loan-to-Share Ratio | 95.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.9M | 215 |
| 2024Q4 | $2.1M | 233 |
| 2023Q4 | $2.0M | 214 |
Credit Union Details
- Charter Number
- 13599
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Utah
- City
- Woods Cross
- Data Quarter
- 2025Q4
What This Data Says About Flexpak
Flexpak is a federal credit union headquartered in Woods Cross, Utah, serving 215 members with $1.9M in total assets and $1.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 50/100 (Fair), anchored by a net worth ratio of 11.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #13599 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 95.76% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 6.43% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at 0.07% on net income of $1K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.73%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Flexpak financially healthy?
A 11.66% net worth ratio and a 6.43% delinquency rate feed into Flexpak's financial health score of 50/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Flexpak compare to other credit unions?
On PlainCU's health composite, Flexpak lands at 50/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Flexpak?
Flexpak operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Flexpak directly for the exact boundaries and application steps.
Is my money safe at Flexpak?
Federal credit unions like Flexpak are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Flexpak's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Flexpak offer compared to banks?
Credit unions like Flexpak are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Flexpak directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.