BlastPoint's Credit Union Scorecard

EXCITE

Charter #68441 · CA

Community 500M-750M

167 CUs in 500M-750M nationally 10 in CA

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EXCITE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.20% above tier average

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 15.0% in tier
- Efficiency Drag: Bottom 16.4% in tier
- Credit Quality Pressure: Bottom 42.1% in tier
- Stagnation Risk: Bottom 59.7% in tier
- Membership Headwinds: Bottom 59.7% in tier
- Indirect Auto Dependency: Bottom 86.7% in tier
- ROA 0.88% below tier average
- Efficiency ratio 10.67% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	45,798 -0.7% YoY-0.1% QoQ	+7.7K	38,079 -4.8% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	81%
Assets	$615.2M -0.6% YoY-0.5% QoQ	$-4.4M	$619.7M -0.2% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	49%
Loans	$452.8M -1.6% YoY-0.9% QoQ	+$33.5M	$419.3M -1.4% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	64%
Deposits	$576.9M +1.9% YoY-0.3% QoQ	+$37.5M	$539.5M -0.1% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.2% -197.7% YoY	-0.9%	0.7% +36.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 4.2% in tier
NIM	3.7% +4.5% YoY+1.0% QoQ	+0.2%	3.5% +4.5% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	89.1% +5.7% YoY+1.3% QoQ	+10.7%	78.4% -3.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 14.4% in tier
Delinquency Rate	0.9% +7.1% YoY-15.2% QoQ	+0.2	0.7% -0.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	73%
Loan To Share	78.5% -3.5% YoY-0.6% QoQ	+0.8%	77.7% -1.2% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	44%
AMR	$22,485 +1.1% YoY-0.5% QoQ	$-4K	$26,927 +3.1% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	28%
CD Concentration	19.8% +14.9% YoY-1.5% QoQ	-4.5%	24.3%	21.6%	19.8%	35%
Indirect Auto %	26.8% -10.4% YoY-2.8% QoQ	+13.0%	13.8%	9.0%	7.7%	80%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#177 of 596 • Bottom 16.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.06%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.40% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.72%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#370 of 570 • Bottom 59.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.72%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.64%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.92%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#562 of 727 • Bottom 42.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#413 of 504 • Bottom 86.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.58%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 26.85%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.72%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Institutional Decline

decline

#207 of 250 • Bottom 15.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $615.24M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -0.72%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.64%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#539 of 570 • Bottom 59.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.72%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 167 peers in tier

Top Strengths (3 metrics)

Members Per Employee (MPE)

engagement

Value: 428.019

Peer Median: 318.730

#22 of 167 Top 12.6% in 500M-750M tier

Total Members

engagement

Value: 45,798

Peer Median: 36,874

#32 of 167 Top 18.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.79%

Peer Median: 26.29%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (8 metrics)

165

Net Worth Ratio

risk

Value: 6.95%

Peer Median: 10.35%

#165 of 167 Bottom 1.8% in 500M-750M tier

160

Return on Assets (ROA)

profitability

Value: -0.20%

Peer Median: 0.61%

#160 of 167 Bottom 4.8% in 500M-750M tier

152

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.39%

#152 of 167 Bottom 9.6% in 500M-750M tier

144

Efficiency Ratio

profitability

Value: 89.06%

Peer Median: 78.61%

#144 of 167 Bottom 14.4% in 500M-750M tier

143

Asset Growth Rate

growth

Value: -0.58%

Peer Median: 4.66%

#143 of 167 Bottom 15.0% in 500M-750M tier

139

Loan Growth Rate

growth

Value: -1.64%

Peer Median: 4.25%

#139 of 167 Bottom 17.4% in 500M-750M tier

131

Indirect Auto Concentration (%)

balance_sheet

Value: 26.85%

Peer Median: 10.91%

#131 of 167 Bottom 22.2% in 500M-750M tier

127

AMR Growth Rate

growth

Value: 1.06%

Peer Median: 4.03%

#127 of 167 Bottom 24.6% in 500M-750M tier