BlastPoint's Credit Union Scorecard
EXCITE
Charter #68441 · CA
EXCITE has 1 strength but faces 10 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 42.3% in tier
- - Stagnation Risk: Bottom 65.3% in tier
- - Institutional Decline: Bottom 77.8% in tier
- - Indirect Auto Dependency: Bottom 83.8% in tier
- - Credit Quality Pressure: Bottom 92.5% in tier
- - Membership Headwinds: Bottom 99.5% in tier
- - ROA 0.70% below tier average
- - Efficiency ratio 10.41% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Net Worth Ratio: Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,844
-0.5% YoY+0.2% QoQ
|
+7.3K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$618.1M
-1.2% YoY+0.4% QoQ
|
$-3.6M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$457.0M
-2.6% YoY-0.3% QoQ
|
+$27.2M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$578.9M
+1.7% YoY+3.3% QoQ
|
+$40.2M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
-0.0%
-97.8% YoY-145.7% QoQ
|
-0.7% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.8% in tier |
| NIM |
3.6%
+6.9% YoY-0.1% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
87.9%
-24.3% YoY+2.2% QoQ
|
+10.4% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
1.1%
+2.5% YoY-4.9% QoQ
|
+0.2 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
78.9%
-4.2% YoY-3.5% QoQ
|
-0.9% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$22,597
+0.3% YoY+1.5% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
20.1%
+10.6% YoY+4.3% QoQ
|
-4.3% | 24.4% | 21.7% | 19.8% | 35% |
| Indirect Auto % |
27.6%
-9.3% YoY-1.9% QoQ
|
+13.8% | 13.8% | 9.2% | 7.8% | 80% |
Signature Analysis
Strengths (0)
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)