BlastPoint's Credit Union Scorecard
EXPREE
Charter #62431 · KY
EXPREE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.18% above tier average
- + AMR Growth Rate: Top 5.9% in tier
- + Loan Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency ratio 0.11% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kentucky.
- Shares and deposits +9.0% year over year ($105M in shares and deposits).
- Membership: 8,941 members, -1.2% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 0.83%.
- Efficiency ratio 76.84% vs a 76.73% peer average.
- Loan-to-share ratio 89.04% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,941
-1.2% YoY-0.5% QoQ
|
-6.2K |
15,168
-2.6% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$119.1M
+8.7% YoY+1.2% QoQ
|
$-112.9M |
$232.0M
+0.7% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.6% in tier |
| Loans |
$93.9M
+14.1% YoY+3.7% QoQ
|
$-52.4M |
$146.3M
+0.2% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$105.4M
+9.0% YoY+1.1% QoQ
|
$-95.3M |
$200.7M
+0.2% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.9% in tier |
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| ROA |
0.8%
+4.9% YoY+3.0% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.9%
+15.2% YoY+4.7% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
76.8%
-6.5% YoY-1.1% QoQ
|
+0.1% |
76.7%
-0.8% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.8%
-13.6% YoY+10.9% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
89.0%
+4.7% YoY+2.5% QoQ
|
+17.5% |
71.5%
-0.3% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$22,286
+12.7% YoY+2.8% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
47.3%
+0.9% YoY+1.1% QoQ
|
+22.8% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
14.5%
-29.5% YoY-10.3% QoQ
|
+0.9% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)