BlastPoint's Credit Union Scorecard
EXPRESS
Charter #68273 · WA
EXPRESS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.47% above tier average
- + Net Interest Margin 1.62% above tier average
- + Fee Income Per Member: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 53.58% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - Member decline: -6.7% YoY
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 9.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -13.7% year over year ($19.4M in shares and deposits).
- Membership: 3,676 members, -6.7% vs a year ago.
- Delinquency rate 1.95%.
- Return on assets 3.97%.
- Efficiency ratio 142.34% vs a 88.77% peer average.
- Loan-to-share ratio 80.01% vs a 58.89% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,676
-6.7% YoY+0.5% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$22.6M
-14.3% YoY-0.9% QoQ
|
$-7.7M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$15.5M
-4.7% YoY+2.9% QoQ
|
+$30K |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$19.4M
-13.7% YoY-0.0% QoQ
|
$-6.4M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
4.0%
-199.2% QoQ
|
+2.5% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Top 2.6% in tier |
| NIM |
5.5%
+59.2% YoY-0.2% QoQ
|
+1.6% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
142.3%
+37.2% YoY-3.3% QoQ
|
+53.6% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
1.9%
+123.2% YoY-25.7% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
80.0%
+10.4% YoY+2.9% QoQ
|
+21.1% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$9,479
-3.4% YoY+0.7% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
37.3%
-23.0% YoY+0.8% QoQ
|
+12.7% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
50.8%
-12.8% YoY+0.5% QoQ
|
+37.2% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)