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
Call Report peers
EXPREE in the assets neighbourhood
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EXPREE vs every NCUA-scored credit union
EXPREE sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Kentucky, COVE (#14) scores 90/100, 2 points higher; one place down, Service One (#16) ties at 88/100.
EXPREE: 2025Q4 → 2026Q1
EXPREE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $114.6M (2025Q4) to $117.7M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.86% → 10.77%).
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
EXPREE gives up 12 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EXPREE financially healthy?
EXPREE has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,483 of 4,374 nationally on health and #15 of 54 in Kentucky. Its net worth ratio is 10.77% and its delinquency rate 0.72%.
How does EXPREE compare to other credit unions?
EXPREE scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.36% vs 72.20%). Its widest shortfall is net worth ratio (10.77% vs 12.11%).
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?
EXPREE is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.