FLEXPAK
Charter #13599 · Woods Cross, UT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 216 sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.94% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 3.56% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FLEXPAK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.92M | 29th pct | 13th pct |
| Members | 216 | 16th pct | 0th pct |
| Net worth ratio | 19.40% | 57th pct | 49th pct |
| Return on average assets | 1.05% | 73th pct | 64th pct |
| Net interest margin | 2.94% | 20th pct | 5th pct |
| Cost of funds | 3.56% | 98th pct | 97th pct |
| Loan-to-share | 92.93% | 89th pct | 74th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -7.14% | 39th pct | 20th pct |
| Share growth YoY | -0.74% | 43th pct | 36th pct |
| Efficiency ratio | 64.12% | 20th pct | 16th pct |
structural peer set hash: 1b1c3972f60a31b591c7e425b7e31ad1… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.