Express Credit Union (NCUA charter #68273) is based in Seattle, Washington. Its Q2 2026 call report shows $22.6M in total assets and $19.4M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Express Credit Union scores 53/100, which we describe as below average. That is higher than only 12% of 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 67th. Its strongest component is capital cushion (80/100; 13.00%), and its lowest is earnings (0/100; -3.99%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 15 points (68 → 53), mostly because the loan quality component weakened by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 57 |
| Q4 2024 | 63 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 70 |
| Q1 2026 | 50 |
| Q2 2026 | 53 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.79% |
| Q3 2024 | 12.24% |
| Q4 2024 | 12.54% |
| Q1 2025 | 12.24% |
| Q2 2025 | 12.85% |
| Q3 2025 | 13.00% |
| Q4 2025 | 14.14% |
| Q1 2026 | 13.85% |
| Q2 2026 | 13.00% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 1.18% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.13% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.96% |
| Q1 2026 | 2.62% |
| Q2 2026 | 1.95% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.15% |
| Q3 2024 | -0.67% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.03% |
| Q3 2025 | -0.21% |
| Q4 2025 | 0.01% |
| Q1 2026 | -4.00% |
| Q2 2026 | -3.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $22.6M | 13.00% | 1.95% | -3.99% | 80.0% |
| Q1 2026 | 50 | $22.8M | 13.85% | 2.62% | -4.00% | 77.7% |
| Q4 2025 | 70 | $24.0M | 14.14% | 0.96% | 0.01% | 77.3% |
| Q3 2025 | 67 | $25.8M | 13.00% | 0.81% | -0.21% | 72.9% |
| Q2 2025 | 68 | $26.4M | 12.85% | 0.87% | 0.03% | 72.5% |
| Q1 2025 | 68 | $28.0M | 12.24% | 1.13% | 0.59% | 71.4% |
| Q4 2024 | 63 | $27.0M | 12.54% | 1.40% | 0.25% | 76.3% |
| Q3 2024 | 57 | $26.1M | 12.24% | 1.18% | -0.67% | 84.9% |
| Q2 2024 | 65 | $22.4M | 14.79% | 1.02% | -0.15% | 108.6% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mint Valley Federal Credit UnionCredit union Longview, WA | 87 out of 100, Very strong | $23.7M | 19.3% | 0.10% | vs |
| Community Healthcare Federal Credit UnionCredit union Everett, WA | 63 out of 100, Moderate | $20.5M | 12.6% | 1.42% | vs |
| Newrizons Federal Credit UnionCredit union Hoquiam, WA | 72 out of 100, Strong | $18.9M | 20.2% | 1.30% | vs |
| Mt. Rainier Credit UnionCredit union Puyallup, WA | 74 out of 100, Strong | $26.3M | 13.4% | 0.72% | vs |
| Spokane Media Federal Credit UnionCredit union Spokane, WA | 38 out of 100, Low | $16.6M | 9.7% | 2.93% | vs |
| Puget Sound Refinery Federal Credit UnionCredit union Anacortes, WA | 69 out of 100, Moderate | $15.6M | 17.5% | 2.29% | vs |
Deposit insurance
Is my money safe at Express Credit Union?
Yes. Express Credit Union is a federally insured credit union (NCUA charter #68273). 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 6.0% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Express Credit Union lists 1 office in 1 city. Most locations:
- Seattle, WA (1)
Identity & history
Profile
- Legal name
- Express Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68273
- RSSD ID
- 111894
- Primary regulator
- State + NCUA
- Established
- 1934
- Headquarters
- PO Box 94286, Seattle, WA 98124
- Employees
- 14
Quick answers
Express Credit Union: common questions
Is Express Credit Union NCUA insured?
Yes. Express Credit Union is a federally insured credit union (NCUA charter #68273). 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 Express Credit Union's TellerScore?
53 out of 100 (Below average), 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 Express Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Seattle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Our Community Credit UnionCredit union Shelton, WA | 82 out of 100, Strong | $638.3M | 12.7% | 0.48% | vs |