Express

Seattle, WA · 2 · Charter #68273 · www.expresscu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.0M
68th percentile
Members
3,672
92th percentile
Total loans
$15.5M
80th percentile
Total shares
$18.9M
66th percentile

Profitability

Return on assets
-0.40%
9th percentile
Net interest margin
4.28%
62th percentile
Efficiency ratio
84.15%
18th percentile
Non-interest income ratio
47.06%
97th percentile

Capital & Risk

Net worth ratio
14.14%
45th percentile
Delinquency rate
0.96%
42th percentile
Net charge-off rate
0.91%
19th percentile
Loan-to-share
82.00%
79th percentile

Growth

Member growth YoY
-7.55%
9th percentile
Asset growth YoY
-11.27%
4th percentile
Loan growth YoY
-13.68%
14th percentile
Share growth YoY
-7.95%
12th percentile

Operations

Members / branch
3,672
96th percentile
Assets / member
$6,533
27th percentile
Field of membership penetration
0.05%
0th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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