State credit union · Frankfort, Kentucky · NCUA charter #62431
EXPREE
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $114.6M
- Total assets
- 9,021
- Members
- 10.8%
- Net-worth ratio
EXPREE scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $114.6M; members 9,021; net-worth ratio 10.77%; health rank #1,483 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,483 of 4,374 health · 2025Q4EXPREE · health 88/100 · $114.6M · 2025Q4
- MEM 88/100
- RANK 10.8%
- PHOTO 0.72%
- BOOK 0.93%
- CHARTER $114.6M
- NCUSIF 9,021
- CAMELS #1,483/4,374
- HEALTH North Bay
- NW 62431
Call Report peers
EXPREE in the assets neighbourhood
EXPREE's $114.6M assets sit next to North Bay ($114.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EXPREE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
EXPREE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62431. See our deposit-insurance coverage note.
Peer-gap read for EXPREE
- Largest favorable gap: Loan-to-Share Ratio at 86.36% vs peer 72.20% (+14.16 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.34 pp (10.77% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kentucky standing for EXPREE
- In Kentucky, health place is #15 of 54 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 54 inside Kentucky ($114.6M reported).
- Kentucky membership ordinal: #19 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
EXPREE: 2025Q4 → 2026Q1
EXPREE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $114.6M (2025Q4) to $117.7M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.86% → 10.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for EXPREE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.77% | -1.34 pp |
| Delinquency Rate | 0.72% | -0.17 pp |
| Return on Assets | 0.93% | +0.30 pp |
| Member Growth | -1.84% | - |
| Loan-to-Share Ratio | 86.36% | +14.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $117.7M | - |
| 2025Q4 | $114.6M | 9,021 |
| 2024Q4 | $104.6M | 9,190 |
| 2023Q4 | $98.5M | 9,131 |
Credit Union Details
- Charter Number
- 62431
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Frankfort
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, EXPREE runs one office.
| Office | City |
|---|---|
| Expree CU (Main Office) | Frankfort, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Cross-state Call Report peers for EXPREE
Cross-state asset and health neighbours for EXPREE - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($114.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- EXPREE ranks #1,483 of 4,374 nationally on financial health and #15 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Health & Education is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Health & Education
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is EXPREE financially healthy?
EXPREE scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,483 of 4,374; by total assets it ranks #1,714 of 4,374 nationally (same basis as /rankings/largest); and #17 of 54 within Kentucky. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.77% net worth ratio and a 0.72% delinquency rate.
How does EXPREE compare to other credit unions?
88/100 is EXPREE's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join EXPREE?
Membership eligibility for EXPREE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EXPREE directly for current membership requirements and application steps.
Is my money safe at EXPREE?
Federal credit unions like EXPREE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. EXPREE's net worth ratio of 10.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EXPREE offer compared to banks?
Credit unions like EXPREE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact EXPREE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.