State credit union · Seattle, Washington · NCUA charter #68273
EXPRESS
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $24.0M
- Total assets
- 3,672
- Members
- 13.9%
- Net-worth ratio
EXPRESS scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.0M; members 3,672; net-worth ratio 13.85%; health rank #3,079 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,079 of 4,374 health · 2025Q4EXPRESS · health 77/100 · $24.0M · 2025Q4
Call Report peers
EXPRESS in the assets neighbourhood
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EXPRESS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EXPRESS sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
EXPRESS vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 77.32% here, 59.80% peer average (+17.52 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.01 pp (13.85% vs 14.86%).
Where EXPRESS sits in Washington
- Washington health ordinal: #61 of 75.
- Washington assets place: #67 of 75.
- Member book place in Washington: #56 of 75.
- One place up in Washington, WCLA (#60) ties at 77/100; one place down, CALCOE (#62) ties at 77/100.
Quarter path for EXPRESS
EXPRESS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.8% from $24.0M (2025Q4) to $22.8M (2026Q1).
- Net-worth ratio shifted -0.29 pp (14.14% → 13.85%).
At 13.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
EXPRESS gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 11.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for EXPRESS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.85% | -1.01 pp |
| Delinquency Rate | 0.96% | -0.19 pp |
| Return on Assets | 0.28% | -0.42 pp |
| Member Growth | -7.55% | - |
| Loan-to-Share Ratio | 77.32% | +17.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
EXPRESS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.8M | - |
| 2025Q4 | $24.0M | 3,672 |
| 2024Q4 | $27.0M | 3,972 |
| 2023Q4 | $22.1M | 3,346 |
Credit Union Details
- Charter Number
- 68273
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Washington
- City
- Seattle
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for EXPRESS.
| Office | City |
|---|---|
| Express Credit Union (Main Office) | Seattle, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- EXPRESS ranks #3,079 of 4,374 nationally on financial health and #61 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mint Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mint Valley
Frequently Asked Questions
Is EXPRESS financially healthy?
EXPRESS has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,079 of 4,374 nationally on health and #61 of 75 in Washington. Its net worth ratio is 13.85% and its delinquency rate 0.96%.
How does EXPRESS compare to other credit unions?
EXPRESS scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.32% vs 59.80%). Its widest shortfall is net worth ratio (13.85% vs 14.86%).
How can I join EXPRESS?
Membership eligibility for EXPRESS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EXPRESS directly for current membership requirements and application steps.
Is my money safe at EXPRESS?
EXPRESS 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. EXPRESS's net worth ratio of 13.85% 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.