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
- NCUSIF 77/100
- CAMELS 13.9%
- HEALTH 0.96%
- NW 0.28%
- DELQ $24.0M
- ROA 3,672
- ASSETS #3,079/4,374
- MEM Cobblestone Country
- RANK 68273
Call Report peers
EXPRESS in the assets neighbourhood
EXPRESS's $24.0M assets sit next to Cobblestone Country ($24.0M) 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.
EXPRESS 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
77 28th percentile higher than 28% 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
EXPRESS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68273: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EXPRESS
EXPRESS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.8% from $24.0M (2025Q4) to $22.8M (2026Q1).
- Net-worth ratio shifted -0.29 pp (14.14% → 13.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
EXPRESS's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 EXPRESS financially healthy?
A 13.85% net worth ratio and a 0.96% delinquency rate feed into EXPRESS's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,079 of 4,374; by total assets it ranks #3,025 of 4,374 nationally (same basis as /rankings/largest); and #67 of 75 within Washington. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EXPRESS compare to other credit unions?
PlainCU's health composite puts EXPRESS at 77/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like EXPRESS 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. EXPRESS's net worth ratio of 13.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EXPRESS offer compared to banks?
Credit unions like EXPRESS 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 EXPRESS 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.