BlastPoint's Credit Union Scorecard

EXPREE

Charter #62431 · KY

1069 CUs in 100M-500M nationally 10 in KY

EXPREE has 2 strengths but faces 10 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 16.2% in tier
+ AMR Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 29.2% in tier
- Indirect Auto Dependency: Bottom 39.8% in tier
- Credit Quality Pressure: Bottom 56.7% in tier
- Membership Headwinds: Bottom 66.0% in tier
- Efficiency Drag: Bottom 79.5% in tier
- Stagnation Risk: Bottom 85.5% in tier
- ROA 0.06% below tier average
- Efficiency ratio 4.58% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 2.0% in tier
- Total Assets: Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	9,021 -1.8% YoY-0.7% QoQ	-6.4K	15,437 -2.9% YoY	18,352 +6.1% YoY	33,374 +5.7% YoY	24%
Assets	$114.6M +9.6% YoY+0.5% QoQ	$-117.2M	$231.9M +1.3% YoY	$297.6M +11.0% YoY	$561.6M +9.7% YoY	Bottom 9.7% in tier
Loans	$87.6M +10.1% YoY+1.8% QoQ	$-59.8M	$147.3M -0.1% YoY	$214.0M +12.0% YoY	$397.0M +8.8% YoY	27%
Deposits	$101.4M +10.2% YoY+0.5% QoQ	$-99.4M	$200.8M +0.8% YoY	$249.6M +10.9% YoY	$477.3M +9.7% YoY	Bottom 11.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -31.4% YoY-5.7% QoQ	-0.1%	0.8% +18.2% YoY	0.3% -193.7% YoY	0.7% +15.9% YoY	45%
NIM	3.6% -12.0% YoY+1.9% QoQ	-0.0%	3.6% +6.7% YoY	3.7% -0.4% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	81.6% +1.8% YoY-1.1% QoQ	+4.6%	77.0% -3.1% YoY	85.5% -17.8% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	0.7% +30.9% YoY+5.5% QoQ	-0.2	0.9% +4.2% YoY	1.1% -5.8% YoY	1.3% -2.1% YoY	51%
Loan To Share	86.4% -0.1% YoY+1.3% QoQ	+14.1%	72.2% -1.1% YoY	65.9% -3.9% YoY	67.4% -1.7% YoY	77%
AMR	$20,950 +12.2% YoY+1.8% QoQ	$-4K	$24,676 +3.4% YoY	$17,204 +6.4% YoY	$19,687 +2.0% YoY	40%
CD Concentration	48.5% +6.0% YoY+1.3% QoQ	+24.1%	24.4%	22.4%	19.8%	50%
Indirect Auto %	18.2% -16.3% YoY-5.0% QoQ	+4.4%	13.8%	7.7%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#84 of 513 • Top 16.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.24%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Credit Risk Growth

risk

#134 of 456 • Bottom 29.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.12%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#202 of 506 • Bottom 39.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.61%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 18.18%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#400 of 705 • Bottom 56.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Membership Headwinds

decline

#366 of 554 • Bottom 66.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#428 of 538 • Bottom 79.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.60%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#474 of 554 • Bottom 85.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 10.12%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.72%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 12.24%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

127

Deposit Growth Rate

growth

Value: 10.22%

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

156

Asset Growth Rate

growth

Value: 9.61%

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

164

Loan Growth Rate

growth

Value: 10.12%

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

226

Fee Income Per Member

profitability

Value: $226.10

Peer Median: -

#226 of 1069 Top 21.0% in 100M-500M tier

247

Loan-to-Share Ratio

balance_sheet

Value: 86.36%

Peer Median: -

#247 of 1069 Top 23.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1049

Share Certificate Concentration (%)

balance_sheet

Value: 48.49%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

965

Total Assets

balance_sheet

Value: $114.63M

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

947

Total Deposits

balance_sheet

Value: $101.41M

Peer Median: -

#947 of 1069 Bottom 11.5% in 100M-500M tier

816

Total Members

engagement

Value: 9,021

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier