EXPREE
Charter #62431 · Frankfort, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,986 sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.18% sits at the 90th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 30th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EXPREE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.71M | 12th pct | 11th pct |
| Members | 8,986 | 24th pct | 23th pct |
| Net worth ratio | 10.77% | 40th pct | 57th pct |
| Return on average assets | 0.81% | 58th pct | 56th pct |
| Net interest margin | 3.74% | 56th pct | 30th pct |
| Cost of funds | 2.18% | 92th pct | 90th pct |
| Loan-to-share | 86.83% | 83th pct | 62th pct |
| Delinquency 60+ days | 0.69% | 57th pct | 56th pct |
| Net charge-off ratio | 0.45% | 59th pct | 54th pct |
| Loan growth YoY | 5.23% | 88th pct | 85th pct |
| Share growth YoY | 3.32% | 48th pct | 54th pct |
| Efficiency ratio | 77.73% | 47th pct | 38th pct |
structural peer set hash: 4a8f308c31dc5cd2d6457f0f7ba6ad7e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.