San Jose, California · Peer group 6
Excite Credit Union
Excite Credit Union holds $615.2M in assets across 45,798 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1952. Charter number 68441, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $615.2M |
|---|---|
| Total loans | $452.8M |
| Total shares (deposits) | $576.9M |
| Net worth | $42.8M |
| Members | 45,798 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.6% | |
|---|---|---|
| Loans | -1.6% | around the 14th percentile of its peer group |
| Deposits | 1.9% | around the 26th percentile of its peer group |
| Members | -0.7% | around the 27th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 78.5% | around the 33rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.0% | lower than 99% of its peer group |
| Return on assets | -0.20% | lower than 97% of its peer group |
| Delinquency ratio | 0.92% | around the 75th percentile of its peer group |
| Cash / assets | 5.6% | around the 25th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Excite Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Commonwealth Central Credit Union
San Jose, CA
$626.9M · 37,678 members
- I.L.W.U. Credit Union
Long Beach, CA
$601.9M · 30,315 members
- Premier One Credit Union
San Jose, CA
$656.4M · 27,435 members
- Cabrillo Credit Union
San Diego, CA
$571.8M · 29,062 members
- First U.S. Community Credit Union
Sacramento, CA
$554.2M · 27,555 members
- MyPoint Credit Union
San Diego, CA
$701.1M · 28,091 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Excite Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.