TellerScore

Headquartered in Frankfort, Kentucky, Expree Credit Union is a federally insured state-chartered credit union with $119.1M in total assets and $105.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1938.

Based on its Q2 2026 filing, Expree Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 36th. Its strongest component is problem-loan coverage (89/100; 5.6%), and its lowest is earnings (53/100; 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.86%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.77%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity71/100
Loans ÷ shares: 89.0% · 9.7% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202473
Q4 202471
Q1 202571
Q2 202566
Q3 202567
Q4 202566
Q1 202667
Q2 202666
Net worth ratio
7.00%9.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.82%
Q3 202411.07%
Q4 202411.13%
Q1 202511.01%
Q2 202511.02%
Q3 202510.76%
Q4 202510.86%
Q1 202610.77%
Q2 202610.86%
Delinquent loans (60+ days)
0.47%0.68%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.47%
Q4 20240.55%
Q1 20250.52%
Q2 20250.89%
Q3 20250.68%
Q4 20250.72%
Q1 20260.69%
Q2 20260.77%
Return on assets
0.70%0.91%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20241.11%
Q4 20241.02%
Q1 20250.97%
Q2 20250.78%
Q3 20250.73%
Q4 20250.70%
Q1 20260.80%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$119.1M10.86%0.77%0.82%89.0%
Q1 202667$117.7M10.77%0.69%0.80%86.8%
Q4 202566$114.6M10.86%0.72%0.70%86.4%
Q3 202567$114.0M10.76%0.68%0.73%85.3%
Q2 202566$109.6M11.02%0.89%0.78%85.1%
Q1 202571$108.1M11.01%0.52%0.97%84.7%
Q4 202471$104.6M11.13%0.55%1.02%86.4%
Q3 202473$103.4M11.07%0.47%1.11%85.5%
Q2 202470$102.1M10.82%0.47%0.91%86.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.86%
42nd
Problem loans0.77%
44th
Net charge-offs0.55%
30th
Return on assets0.82%
56th
Loans to deposits89.0%
19th
Uninsured deposits9.7%
18th
Loan-loss reserves0.00%
50th
Texas ratio5.6%
34th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Autotruck Financial Credit UnionCredit union Louisville, KY72 out of 100, Strong$220.4M13.1%1.22%vs
Service One Credit UnionCredit union Bowling Green, KY53 out of 100, Below average$269.1M9.5%1.40%vs
Class Act Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$365.0M10.8%0.62%vs
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs

Deposit insurance

Is my money safe at Expree Credit Union?

Yes. Expree Credit Union is a federally insured credit union (NCUA charter #62431). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.7% of shares and deposits ($10.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Expree Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Expree Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62431
RSSD ID
596192
Primary regulator
State + NCUA
Established
1938
Headquarters
100 Moore Dr, Frankfort, KY 40601
Employees
27

Quick answers

Expree Credit Union: common questions

Is Expree Credit Union NCUA insured?

Yes. Expree Credit Union is a federally insured credit union (NCUA charter #62431). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Expree Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Expree Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Frankfort

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY84 out of 100, Strong$208.1M10.4%0.00%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs