BlastPoint's Credit Union Scorecard
EXCITE
Charter #68441 · CA
EXCITE has 1 strength but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.5% in tier
- - Shrinking Wallet Share: Bottom 16.6% in tier
- - Accelerating Exit Risk: Bottom 17.2% in tier
- - Institutional Decline: Bottom 17.8% in tier
- - Efficiency Drag: Bottom 19.9% in tier
- - Membership Headwinds: Bottom 26.9% in tier
- - Indirect Auto Dependency: Bottom 27.5% in tier
- - Stagnation Risk: Bottom 32.2% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 7.93% above tier (higher cost structure)
- - Delinquency rate 0.34% above tier average
- - Net Worth Ratio: Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,745
-1.2% YoY-0.2% QoQ
|
+6.0K |
39,752
-2.7% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$615.4M
-5.8% YoY+0.6% QoQ
|
$-7.0M |
$622.4M
+0.3% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$458.5M
-4.7% YoY-0.5% QoQ
|
+$22.5M |
$435.9M
-0.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
61% |
| Deposits |
$560.4M
-1.5% YoY+1.4% QoQ
|
+$22.3M |
$538.0M
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.1%
-103.9% YoY-4.9% QoQ
|
-0.6% |
0.7%
+33.9% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.3% in tier |
| NIM |
3.6%
+12.0% YoY-0.3% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
86.0%
-29.6% YoY+0.0% QoQ
|
+7.9% |
78.1%
-3.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.1%
+21.1% YoY-7.5% QoQ
|
+0.3 |
0.8%
-4.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
81.8%
-3.3% YoY-1.9% QoQ
|
+0.8% |
81.0%
-1.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$22,272
-1.8% YoY+0.7% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
19.3%
+5.0% YoY+6.6% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
32% |
| Indirect Auto % |
28.2%
-9.9% YoY-3.5% QoQ
|
+14.2% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
81% |
Signature Analysis
Strengths (0)
Concerns (8)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)