BlastPoint's Credit Union Scorecard

EXPREE

Charter #62431 · KY

100M-500M

1070 CUs in 100M-500M nationally 10 in KY

EXPREE has 5 strengths but faces 7 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 50.0% in tier
+ ROA 0.08% above tier average
+ Net Interest Margin 0.06% above tier average
+ AMR Growth Rate: Top 6.2% in tier
+ Deposit Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 3.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	8,986 -0.9% YoY-0.4% QoQ	-6.2K	15,145 -2.5% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	24%
Assets	$117.7M +8.9% YoY+2.7% QoQ	$-114.0M	$231.7M +0.8% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	Bottom 12.2% in tier
Loans	$90.5M +12.6% YoY+3.4% QoQ	$-53.6M	$144.1M +0.2% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	31%
Deposits	$104.3M +9.9% YoY+2.8% QoQ	$-96.9M	$201.1M +0.4% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	Bottom 13.6% 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	0.8% -18.4% YoY+14.4% QoQ	+0.1%	0.7% +5.1% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	58%
NIM	3.7% +8.5% YoY+3.8% QoQ	+0.1%	3.6% +4.6% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	77.7% -1.8% YoY-4.7% QoQ	-0.3%	78.0% -1.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.7% +32.6% YoY-3.8% QoQ	-0.1	0.8% +7.1% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	57%
Loan To Share	86.8% +2.5% YoY+0.5% QoQ	+16.4%	70.4% -0.4% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	83%
AMR	$21,682 +12.2% YoY+3.5% QoQ	$-3K	$24,918 +2.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	42%
CD Concentration	46.8% +0.1% YoY-3.5% QoQ	+22.5%	24.3%	22.8%	19.8%	50%
Indirect Auto %	16.2% -21.6% YoY-11.1% QoQ	+2.4%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#84 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 12.19%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Credit Risk Growth

risk

#102 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 12.62%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#376 of 727 • Bottom 50.0% 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: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#265 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 8.90%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.17%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.95%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#510 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.95%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#540 of 570 • Bottom 50.0% 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): -0.95%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 12.62%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.69%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Margin Compression

decline

#131 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.98%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 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 1070 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 12.19%

Peer Median: 3.46%

#67 of 1070 Top 6.2% in 100M-500M tier

102

Deposit Growth Rate

growth

Value: 9.87%

Peer Median: 3.30%

#102 of 1070 Top 9.4% in 100M-500M tier

115

Loan Growth Rate

growth

Value: 12.62%

Peer Median: 2.93%

#115 of 1070 Top 10.7% in 100M-500M tier

145

Asset Growth Rate

growth

Value: 8.90%

Peer Median: 3.91%

#145 of 1070 Top 13.5% in 100M-500M tier

162

Fee Income Per Member

profitability

Value: $231.30

Peer Median: $154.95

#162 of 1070 Top 15.0% in 100M-500M tier

186

Loan-to-Share Ratio

balance_sheet

Value: 86.83%

Peer Median: 71.88%

#186 of 1070 Top 17.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1038

Share Certificate Concentration (%)

balance_sheet

Value: 46.78%

Peer Median: 23.10%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

939

Total Assets

balance_sheet

Value: $117.71M

Peer Median: $196.57M

#939 of 1070 Bottom 12.3% in 100M-500M tier

924

Total Deposits

balance_sheet

Value: $104.28M

Peer Median: $171.29M

#924 of 1070 Bottom 13.7% in 100M-500M tier

810

Total Members

engagement

Value: 8,986

Peer Median: 13,200

#810 of 1070 Bottom 24.4% in 100M-500M tier