# EXPRESS
Seattle, WA · NCUA charter 68273 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/express-68273

Who the members are: state charter, organized 1934, low-income designated. 3,656 members of 8,001,020 potential (0.1% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.8M |
| Members | 3,656 (-7.2% YoY) |
| Full-time staff | 15 |
| Net worth | $3.2M |
| Net worth ratio | 13.8% (p43 of band) |
| ROA (annualized) | -4.00% (p3 of band) |
| Total delinquency | 2.62% (p84 of band) |
| Net charge-offs (annualized) | 0.80% (p82 of band) |
| Loans / shares | 78% (p79 of band) |
| Cash / assets | 30.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.53% (p92 of band) |
| Operating expense / assets | 12.47% (p99 of band) |
| Vehicles % of loans | 86% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 240% (p99 of band) |
| Vehicle delinquency | 2.70% (p85 of band) |
| Vehicle NCO | 0.68% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 37% |
| Average share balance | $3,175 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $8,389 |
| Loans granted, annualized | $4.8M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  | charge-offs p90 |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 4 | delinquency rising | net worth falling |
| 2017-06 | 5 | margin squeeze, loans>95% of shares | delinquency rising |
| 2017-09 | 6 | net worth falling, leaning on borrowings | margin squeeze |
| 2017-12 | 5 | delinquency rising | net worth falling, leaning on borrowings |
| 2018-03 | 4 | margin squeeze | loans>95% of shares, delinquency rising |
| 2018-06 | 5 | loans>95% of shares, leaning on borrowings | margin squeeze |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | leaning on borrowings |
| 2019-03 | 6 | net worth falling, delinquency rising |  |
| 2019-06 | 7 | losing money |  |
| 2019-09 | 5 |  | loans>95% of shares, losing money |
| 2019-12 | 5 | margin squeeze | net worth falling |
| 2020-03 | 4 |  | delinquency rising |
| 2020-06 | 6 | thin capital, net worth falling |  |
| 2020-09 | 5 | loans>95% of shares | thin capital, net worth falling |
| 2020-12 | 5 | thin capital | margin squeeze |
| 2021-03 | 6 | net worth falling, charge-offs p90 | loans>95% of shares |
| 2021-06 | 4 | loans>95% of shares | thin capital, net worth falling, charge-offs p90 |
| 2021-09 | 3 |  | loans>95% of shares |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 6 | margin squeeze, delinquency rising, loans>95% of shares |  |
| 2022-09 | 5 |  | margin squeeze |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 7 | net worth falling, losing money, delinquency rising |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 5 |  | net worth falling, losing money |
| 2024-03 | 5 |  |  |
| 2024-06 | 6 | losing money |  |
| 2024-09 | 6 | net worth falling | loans>95% of shares |
| 2024-12 | 5 | margin squeeze, charge-offs p90 | delinquency rising, losing money, net worth falling |
| 2025-03 | 5 | loan book shrinking | charge-offs p90 |
| 2025-06 | 5 |  |  |
| 2025-09 | 6 | losing money, members leaving | margin squeeze |
| 2025-12 | 6 | assets shrinking | losing money |
| 2026-03 | 9 | losing money, delinquency 2x band, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-06 [Spanish homebuyer classes, more earn Fibre Federal this recognition - Longview Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWGR4SjduNi02SU1ZQUN5TEFZdFVMakkwTHBna3I4MjFURGhmTG9NVExscE13bzY2WDBnSG9xUG5vNkhrQVNzYjhRWjNkMHlLcmE2ME4yNjZHQnU0dXFNb1lmYmFDRDZySzVXcDdoRTBNN3RUOEZWcVpLRU5VbEhndUZGYm9OX21rVXRRLTRR?oc=5) · Longview Daily News
- 2026-07-15 [Nuvision Credit Union Partners with White Pony Express to Provide Clothing to Families in Contra Costa County - Contra Costa News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPUlpiQ2gyYlF1T3E3ODl5MzNnbjFpbDc5ZHY3VjRWV05WUXVVVUxZSF9jdjg2QUExZlRTdHoxUzdwdXprZW90bnFmYUViUERCRzNubENKOEUyQU8ta0VfaTVsa3FGR2g1MHlRYVlrYV92RFAxTXlNRjhzRHBWdmNkU3JveFZQZTFaTzE2R0xiMXI0R1JWZTZaNWJxMWVsMmo5YWZNV0NaWVFOcmxadmdEb1N2ME5vUVpGckxlaU9TanF5OTdyNlhoY2dOa0RJNXZZV3hKX1FrTTU0SnFkMWs0?oc=5) · Contra Costa News
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2025-12-31 [Man arrested after trying to rob Hill Country credit union, police say - San Antonio Express-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeDBjUGtYUUdIcjhicGpWMjBfaVVabTc0dzNDRG80LVF5RXFNZlBwaU5rUXhFZjVRVDhyOHVFOU9KY1V0RnI5TTYyQ3dYWTlwakJLdnFlMzlia1dJTzRyX0RzLVM4NFowMHU0ZVRMeDBvZ2FYY3FQN3RKUjNSMWJMTm5vSGxMY1JhUnRmeUVuQ3dlOHM5NEhlLUhOY2R3b0NGaG51VzkycE5lVjlKdlRZ?oc=5) · San Antonio Express-News
- 2026-01-11 [Trump Revives 10% Credit Card Rate Cap Proposal, Offers No Details On Enforcement - cutoday.info](https://news.google.com/rss/articles/CBMitwFBVV95cUxNeTlZTEgxdjVKSHRGUV9vT3Jady0xWmNORWJudVRfZm5yeTI5bFJsNHNHZy1zaUEwUWNZemVFMllpa2hJdWtSRHJlLURTVWNieEt5dVp2UzZEQkNySVlNYzRyZ3pIVVNtMkVFR2tpOWduVWRXeWhWSWlWRy1jMExGcGp2X0FyTm4yYTVpZ0M0WnBvNmtBLTdPU0t0eXdPMnVDWF9xeTh6VXZQLUpnMHVRa2ZqQmpGRTQ?oc=5) · cutoday.info
- 2026-08-06 [Best Credit Cards for Transit and Commuters - NerdWallet](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVjVBV1ZiNWN4OW9IbkZZWndIYldYNzBtVXdXVy0zTmN2NGtjQkVsQXNPdFBmVDVhRWNXdm5IU1dzZE94cFN0YUU2TTljSC0xRHJPZ1BYN1VMWUQ0N3ZkOFNNM0I2VUV1WHpOamFQbXU5SWxGY2dXUXZybXRJNmF3dHlYM2hSYk84Z0lvdQ?oc=5) · NerdWallet
- 2026-02-25 [$17.5M American Express antitrust class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiygFBVV95cUxQeW9zeE5OUGpIS3lQcWRFcEpqTHZmQWNOY1JmaFNEYXlJSi1kaEcteFF4MDYzdzFrRE8tVzR6TGtOZk1rNXRxS2VCQVlSa09YMjNWSUppdmExckVocUpGTFdlWkZrS01yVWE1WVVxUzdSMGpoa3Q3VkVhUE5sWnFoUnVYaHNvdXdGX1I5SXVqT0lPM2N1WW9BeXBqZTRUTG8xSnRaUjZWV0hJY2lucXpRRFJzVVA4ZkZzeDVEWGVBTlM1TnBOOUhZa0pn?oc=5) · Top Class Actions
- 2026-03-14 [New restaurants, parks and a swap meet: What’s happening in southern Utah this month - The Salt Lake Tribune](https://news.google.com/rss/articles/CBMidkFVX3lxTE1xNTdYMUk0aEpPcXhEN3lObTQwLWRHbTZ4SG5PSl9leDk4VFFVRHNBczlqUFVGR2JmVU5jOHF4U19IaUFBWjZRQXFieGtSZHd6SndvWWs0dFRQSUVMOGg1Y0lpYnFQLWgxSm5ncmRqZVVFZjM5dEE?oc=5) · The Salt Lake Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68273 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/49.json (key "68273", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68273
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide