EXCITE
Charter #68441 | CA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
10 500M-750M in CA
EXCITE has 1 strength but faces 14 concerns
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
- - Deposit Outflow: Bottom 8.2% in tier
- - 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
|
75th in tier |
| 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
|
47th in tier |
| 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
|
61st in tier |
| 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
|
66th in tier |
| 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
|
66th in tier |
| 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
|
Top 18.3% in tier |
| 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
|
Top 19.5% in tier |
| 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
|
46th in tier |
| 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
|
32nd in tier |
| 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
|
32nd in tier |
| Indirect Auto % |
28.2%
-9.9% YoY-3.5% QoQ
|
+14.2% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 19.3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (9)
Deposit Outflow
decline
#49 of 114 • Bottom 8.2% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-1.47%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$615.42M
(Tier: $622.38M, National: $547.69M)
114 of 281 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#359 of 736 • Bottom 14.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.20% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Shrinking Wallet Share
decline
#166 of 244 • Bottom 16.6% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.78%
(Tier:
3.68%, National:
4.19%)
244 of 281 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
Rank worsening
Accelerating Exit Risk
decline
#46 of 58 • Bottom 17.2% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-1.21%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-1.78%
(Tier:
3.68%, National:
4.19%)
58 of 281 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Institutional Decline
decline
#141 of 256 • Bottom 17.8% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$615.42M
(Tier: $622.38M, National: $547.69M)
Member Growth (YoY):
-1.21%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-4.75%
(Tier:
3.64%, National:
36.38%)
256 of 281 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Efficiency Drag
risk
#352 of 521 • Bottom 19.9% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
86.03%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
2.20% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-1.21%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#443 of 550 • Bottom 26.9% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.21%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#442 of 525 • Bottom 27.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-5.81%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
28.16%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-1.21%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#530 of 550 • Bottom 32.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.08%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.21%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$22.3K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
19.27%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
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)
Top Strengths (3 metrics)
22
Members Per Employee (MPE)
engagement
Value:
427.523
Peer Avg: 338.010
#22 of 169
Top 12.4% in 500M-750M tier
33
Share Certificate Concentration (%)
balance_sheet
Value:
19.27%
Peer Avg: 26.87%
#33 of 169
Top 18.9% in 500M-750M tier
43
Total Members
engagement
Value:
45,745
Peer Avg: 39,752
#43 of 169
Top 24.9% in 500M-750M tier
Top Weaknesses (9 metrics)
168
Net Worth Ratio
risk
Value:
7.10%
Peer Avg: 10.94%
#168 of 169
Bottom 1.2% in 500M-750M tier
159
Asset Growth Rate
growth
Value:
-5.81%
Peer Avg: 4.33%
#159 of 169
Bottom 6.5% in 500M-750M tier
155
Return on Assets (ROA)
profitability
Value:
0.08%
Peer Avg: 0.66%
#155 of 169
Bottom 8.9% in 500M-750M tier
150
Deposit Growth Rate
growth
Value:
-1.47%
Peer Avg: 5.25%
#150 of 169
Bottom 11.8% in 500M-750M tier
149
Loan Growth Rate
growth
Value:
-4.75%
Peer Avg: 4.04%
#149 of 169
Bottom 12.4% in 500M-750M tier
147
AMR Growth Rate
growth
Value:
-1.78%
Peer Avg: 3.12%
#147 of 169
Bottom 13.6% in 500M-750M tier
139
Efficiency Ratio
profitability
Value:
86.03%
Peer Avg: 78.10%
#139 of 169
Bottom 18.3% in 500M-750M tier
137
Total Delinquency Rate (60+ days)
risk
Value:
1.13%
Peer Avg: 0.80%
#137 of 169
Bottom 19.5% in 500M-750M tier
134
Indirect Auto Concentration (%)
balance_sheet
Value:
28.16%
Peer Avg: 16.19%
#134 of 169
Bottom 21.3% in 500M-750M tier