TellerScore

Headquartered in Woods Cross, Utah, Flexpak Federal Credit Union is a federal credit union with $1.9M in total assets and $1.5M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1960.

Flexpak Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 9th. Capital cushion contributes the most (100/100, 19.88%); earnings contributes the least (62/100, 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.88%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity67/100
Loans ÷ shares: 93.6% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (85 → 87), mostly because the earnings component improved by 13 points.

TellerScore
557289Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202480
Q4 202477
Q1 202589
Q2 202585
Q3 202584
Q4 202555
Q1 202687
Q2 202687
Net worth ratio
7.00%13.44%19.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.43%
Q3 202416.89%
Q4 202417.14%
Q1 202516.53%
Q2 202516.88%
Q3 202518.85%
Q4 202519.25%
Q1 202619.40%
Q2 202619.88%
Delinquent loans (60+ days)
0.00%3.22%6.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.23%
Q4 20240.24%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20256.43%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.07%0.57%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.42%
Q4 20240.07%
Q1 20251.07%
Q2 20250.73%
Q3 20250.74%
Q4 20250.82%
Q1 20261.05%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$1.9M19.88%0.00%1.04%93.6%
Q1 202687$1.9M19.40%0.00%1.05%92.9%
Q4 202555$1.9M19.25%6.43%0.82%95.8%
Q3 202584$1.9M18.85%0.00%0.74%99.3%
Q2 202585$2.1M16.88%0.00%0.73%95.4%
Q1 202589$2.2M16.53%0.00%1.07%87.2%
Q4 202477$2.1M17.14%0.24%0.07%97.9%
Q3 202480$2.1M16.89%0.23%0.42%96.3%
Q2 202486$2.1M17.43%0.11%0.95%92.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.88%
77th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.04%
69th
Loans to deposits93.6%
6th
Uninsured deposits0.0%
81st
Loan-loss reserves1.50%
87th
Texas ratio0.0%
93rd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
North Sanpete Federal Credit UnionCredit union Fairview, UT89 out of 100, Very strong$1.2M23.5%0.00%vs
South Sanpete Credit UnionCredit union Manti, UT83 out of 100, Strong$1.1M12.9%0.00%vs
Orem City Employees Federal Credit UnionCredit union Orem, UT82 out of 100, Strong$2.7M14.3%0.13%vs
Valley Wide Federal Credit UnionCredit union Vernal, UT85 out of 100, Very strong$404K33.5%0.00%vs
Presto Lewiston Employees Credit UnionCredit union Lewiston, UT85 out of 100, Very strong$342K26.6%0.00%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs

Deposit insurance

Is my money safe at Flexpak Federal Credit Union?

Yes. Flexpak Federal Credit Union is a federally insured credit union (NCUA charter #13599). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Flexpak Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Flexpak Federal Credit Union
Type
Federal credit union
NCUA charter #
13599
RSSD ID
28983
Primary regulator
NCUA
Established
1960
Headquarters
1654 W 1250 S, Woods Cross, UT 84087
Employees
1

Quick answers

Flexpak Federal Credit Union: common questions

Is Flexpak Federal Credit Union NCUA insured?

Yes. Flexpak Federal Credit Union is a federally insured credit union (NCUA charter #13599). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Flexpak Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Flexpak Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Woods Cross

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
First Electronic BankBank Salt Lake City, UT91 out of 100, Very strong$502.9M46.8%0.01%vs
Mobile Government Emp. Credit UnionCredit union Mobile, AL90 out of 100, Very strong$15.0M22.0%0.00%vs
New Haven Firefighters Credit UnionCredit union New Haven, CT89 out of 100, Very strong$5.9M26.3%0.00%vs