State credit union · San Jose, California · NCUA charter #68441
EXCITE
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $618.1M
- Total assets
- 45,844
- Members
- 7.0%
- Net-worth ratio
EXCITE scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $618.1M; members 45,844; net-worth ratio 6.95%; health rank #3,897 of 4,374; healthier than 11th of scored peers.
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#3,897 of 4,374 health · 2025Q4EXCITE · health 65/100 · $618.1M · 2025Q4
Call Report peers
EXCITE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EXCITE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EXCITE sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
EXCITE vs Over $500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.96 pp (78.94% vs 83.90%).
EXCITE in California
- Health composite ranks #226 of 243 among scored California credit unions.
- California assets place: #84 of 243.
- California membership ordinal: #72 of 243.
- One place up in California, L.a. Healthcare (#225) ties at 65/100; one place down, Beverly Hills City Employees (#227) scores 64/100, 1 point lower.
Quarter path for EXCITE
EXCITE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $618.1M (2025Q4) to $615.2M (2026Q1).
- Net-worth ratio shifted -0.02 pp (6.97% → 6.95%).
6.95% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 65/100 score is built
EXCITE gives up 35 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 22.1 pts
- Delinquency Rate 19.4 pts
- Return on Assets 0.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.95% | -4.23 pp |
| Delinquency Rate | 1.08% | +0.21 pp |
| Return on Assets | -1.73% | -2.24 pp |
| Member Growth | -0.52% | - |
| Loan-to-Share Ratio | 78.94% | -4.96 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - EXCITE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $615.2M | - |
| 2025Q4 | $618.1M | 45,844 |
| 2024Q4 | $625.7M | 46,083 |
| 2023Q4 | $702.7M | 46,225 |
Credit Union Details
- Charter Number
- 68441
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Jose
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, EXCITE runs 6 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | San Jose, CA |
| Curtner | San Jose, CA |
| Blossom Valley | San Jose, CA |
| Quetzal Gardens | San Jose, CA |
| Glen Meade | Wilmington, NC |
| Racine | Wilmington, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- EXCITE ranks #3,897 of 4,374 nationally on financial health and #226 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Commonwealth Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Commonwealth Central
Frequently Asked Questions
Is EXCITE financially healthy?
EXCITE has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,897 of 4,374 nationally on health and #226 of 243 in California. Its net worth ratio is 6.95% and its delinquency rate 1.08%.
How does EXCITE compare to other credit unions?
EXCITE scores 65/100, higher than 11% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (78.94% vs 83.90%).
How can I join EXCITE?
Membership eligibility for EXCITE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EXCITE directly for current membership requirements and application steps.
Is my money safe at EXCITE?
EXCITE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. EXCITE's net worth ratio of 6.95% is relative to the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.