Excite

San Jose, CA · 2 · Charter #68441 · www.excitecu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$618.1M
70th percentile
Members
45,844
82th percentile
Total loans
$457.0M
75th percentile
Total shares
$578.4M
78th percentile

Profitability

Return on assets
0.47%
17th percentile
Net interest margin
3.63%
63th percentile
Efficiency ratio
71.61%
8th percentile
Non-interest income ratio
21.00%
62th percentile

Capital & Risk

Net worth ratio
6.98%
1th percentile
Delinquency rate
1.08%
25th percentile
Net charge-off rate
1.04%
10th percentile
Loan-to-share
79.01%
45th percentile

Growth

Member growth YoY
-0.52%
37th percentile
Asset growth YoY
-1.22%
9th percentile
Loan growth YoY
-2.56%
16th percentile
Share growth YoY
1.64%
23th percentile

Operations

Members / branch
9,169
91th percentile
Assets / member
$13,482
25th percentile
Field of membership penetration
0.89%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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