BlastPoint's Credit Union Scorecard
EXCITE
Charter #68441 · CA
EXCITE has 3 strengths but faces 8 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
- + Wallet Share Momentum: Top 7.1% in tier
- + Net Interest Margin 0.20% above tier average
- + AMR Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.4% in tier
- - Indirect Auto Dependency: Bottom 81.3% in tier
- - Membership Headwinds: Bottom 95.7% in tier
- - Stagnation Risk: Bottom 95.7% in tier
- - ROA 0.79% below tier average
- - Efficiency ratio 8.87% above tier (higher cost structure)
- - Member decline: -8.3% YoY
- - Net Worth Ratio: Bottom 1.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +4.1% year over year ($575M in shares and deposits).
- Membership: 42,010 members, -8.3% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.03%.
- Efficiency ratio 85.43% vs a 76.56% peer average.
- Loan-to-share ratio 80.35% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,010
-8.3% YoY-8.3% QoQ
|
+4.1K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$613.8M
+0.4% YoY-0.2% QoQ
|
$-8.6M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$462.1M
+0.2% YoY+2.0% QoQ
|
+$33.6M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$575.0M
+4.1% YoY-0.3% QoQ
|
+$35.3M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.0%
-68.4% YoY-113.9% QoQ
|
-0.8% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.2% in tier |
| NIM |
3.7%
+2.2% YoY+1.7% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
85.4%
-0.7% YoY-4.1% QoQ
|
+8.9% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.5%
-56.0% YoY-41.0% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
80.4%
-3.7% YoY+2.4% QoQ
|
+1.0% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$24,687
+11.6% YoY+9.8% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
20.3%
+12.4% YoY+2.7% QoQ
|
-4.2% | 24.6% | 22.2% | 20.0% | 35% |
| Indirect Auto % |
25.2%
-13.5% YoY-6.0% QoQ
|
+11.6% | 13.6% | 9.2% | 7.7% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)