State credit union · San Jose, California · NCUA charter #68441
Excite
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $618.1M
- Total assets
- 45,844
- Members
- 6.7%
- Net-worth ratio
Excite - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68441, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Excite - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)67
- Asset quality (delinquency)78
- Earnings (ROA)0
- Member growth54
- Liquidity (loan-to-share)100
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.69% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.69% | 30% |
| Delinquency Rate | 1.08% | 25% |
| Return on Assets | -1.73% | 15% |
| Member Growth | -0.52% | 15% |
| Loan-to-Share Ratio | 78.94% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Excite
45,844 members and $618.1M in total assets sit behind Excite, a state credit union in San Jose, California, which posts a health score of 63/100 (Good) on the five-factor composite, with $457.0M in outstanding loans as of Q4 2025 and a net worth ratio of 6.69% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68441 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.08% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 78.94% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.73% on net income of $-10686449 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.52%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Excite financially healthy?
Excite has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.69% and delinquency rate of 1.08%.
How does Excite compare to other credit unions?
On PlainCU's health composite, Excite lands at 63/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Excite are 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 6.69% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Excite offer compared to banks?
Credit unions like Excite are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Excite directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.