Federal credit union · Woods Cross, Utah · NCUA charter #13599
FLEXPAK
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $1.9M
- Total assets
- 215
- Members
- 19.4%
- Net-worth ratio
FLEXPAK scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.9M; members 215; net-worth ratio 19.40%; health rank #4,268 of 4,374; healthier than 2nd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,268 of 4,374 health · 2025Q4FLEXPAK · health 50/100 · $1.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FLEXPAK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FLEXPAK sits in 50-54 with 82 others.
50 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where FLEXPAK diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +43.06 pp (95.76% vs 52.70%).
- Largest lag: Net Worth Ratio at 19.40% vs peer 22.93% (-3.53 pp).
Utah standing for FLEXPAK
- Utah health ordinal: #53 of 53.
- Utah assets place: #48 of 53.
- Utah membership ordinal: #49 of 53.
- No scored Utah credit union ranks lower; the next one up, Pacific Horizon (#52) scores 58/100, 8 points higher.
FLEXPAK Call Report trajectory
FLEXPAK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $1.9M (2025Q4) to $1.9M (2026Q1).
- Net-worth ratio shifted +0.15 pp (19.25% → 19.40%).
This credit union's 19.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 50/100 score is built
FLEXPAK gives up 50 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 7.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.2 pts
FLEXPAK health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.40% | -3.53 pp |
| Delinquency Rate | 6.43% | +1.95 pp |
| Return on Assets | 0.07% | -0.15 pp |
| Member Growth | -7.73% | - |
| Loan-to-Share Ratio | 95.76% | +43.06 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
FLEXPAK quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.9M | - |
| 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
Branch Locations (2)
FLEXPAK operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Flexpak Federal Credit Union (Main Office) | Woods Cross, UT |
| AMI | MOUNT PLEASANT, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
FLEXPAK nationwide neighbourhoods
Using this data
- FLEXPAK ranks #4,268 of 4,374 nationally on financial health and #53 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Sanpete is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Sanpete
Frequently Asked Questions
Is FLEXPAK financially healthy?
On its 2025Q4 NCUA 5300 filing, FLEXPAK scores 50/100 (Fair), with a 19.40% net worth ratio and 6.43% of loans delinquent. It ranks #4,268 of 4,374 nationally on health and #53 of 53 in Utah.
How does FLEXPAK compare to other credit unions?
FLEXPAK scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (95.76% vs 52.70%). Its widest shortfall is net worth ratio (19.40% vs 22.93%).
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?
FLEXPAK is a federal credit union; its shares are federally 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 19.40% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.