| Metric | Expree Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.1% | +4.6 pts |
| Share growth (YoY) | +9.0% | +3.5% | +5.4 pts |
| Loan growth (YoY) | +14.1% | +2.9% | +11.2 pts |
| ROA | 0.82% | 0.74% | +0.1 pts |
| ROE | 7.6% | 6.5% | +1.1 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.1M | $105.4M | $93.9M | $12.9M | $490K | 0.82% | 3.84% | 0.77% | 8,941 |
| Q1 2026 | $117.7M | $104.3M | $90.5M | $12.7M | $236K | 0.80% | 3.69% | 0.69% | 8,986 |
| Q4 2025 | $114.6M | $101.4M | $87.6M | $12.4M | $802K | 0.70% | 3.55% | 0.72% | 9,021 |
| Q3 2025 | $114.0M | $100.9M | $86.1M | $12.3M | $624K | 0.73% | 3.42% | 0.68% | 9,086 |
| Q2 2025 | $109.6M | $96.7M | $82.3M | $12.1M | $429K | 0.78% | 3.33% | 0.89% | 9,053 |
| Q1 2025 | $108.1M | $94.9M | $80.4M | $11.9M | $262K | 0.97% | 3.35% | 0.52% | 9,072 |
| Q4 2024 | $104.6M | $92.0M | $79.5M | $11.6M | $1.1M | 1.02% | 4.02% | 0.55% | 9,190 |
| Q3 2024 | $103.4M | $90.8M | $77.6M | $11.4M | $864K | 1.11% | 4.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Expree Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.74% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.5% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 9,196 |
| Q2 2024 | $102.1M | $90.3M | $78.0M | $11.0M | $464K | 0.91% | 3.96% | 0.47% | 9,134 |
Loan mix (Q2 2026): real estate $45.1M · commercial $12.3M · consumer $34.0M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 77.5% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Expree Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Expree Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Expree Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Expree Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Expree Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Franklin, KY, ranked 6th with 6.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, KY | 1 | $105.4M* | 6.09% | 6th |
Kentucky: 148th with 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1