Expree
Frankfort, KY · Charter 62431 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$119.1MAssets
$93.9MLoans
$105.4MShares
$12.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 66% of credit unions under $1B in assets (rank 573 of 1681).
- Widest gap: equity / assets trails 70% of credit unions under $1B in assets (rank 1180 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.82%
Rank 759 of 1,683
Net Interest Margin
3.84%
Rank 823 of 1,683
Efficiency Ratio
76.84%
Rank 765 of 1,682
Equity / Assets
10.86%
Rank 1,180 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 759 / 1,683 | |
| Return on Equity | 7.58% | 2.67% | 5.89% | 8.74% | Beats 66% | 573 / 1,681 | |
| Net Interest Margin | 3.84% | 3.31% | 3.82% | 4.32% | Beats 51% | 823 / 1,683 | |
| Efficiency Ratio | 76.84% | 68.91% | 78.20% | 86.93% | Beats 55% | 765 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.26% | 0.65% | 1.29% | Beats 44% | 937 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,180 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.86% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,180 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 89.04% | 52.61% | 69.38% | 83.50% | 85th pctl | 259 / 1,683 | |
| Loans / Assets | 78.81% | 44.71% | 59.18% | 70.72% | 90th pctl | 172 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |