EXCITE
Charter #68441 · San Jose, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 45,798 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 6.95% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -0.20% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.12% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.06% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EXCITE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $615.24M | 29th pct | 13th pct |
| Members | 45,798 | 63th pct | 21th pct |
| Net worth ratio | 6.95% | 1th pct | 2th pct |
| Return on average assets | -0.20% | 4th pct | 3th pct |
| Net interest margin | 3.66% | 64th pct | 49th pct |
| Cost of funds | 1.12% | 28th pct | 25th pct |
| Loan-to-share | 78.49% | 41th pct | 38th pct |
| Delinquency 60+ days | 0.92% | 74th pct | 74th pct |
| Net charge-off ratio | 0.99% | 87th pct | 66th pct |
| Loan growth YoY | -1.23% | 24th pct | 23th pct |
| Share growth YoY | 2.96% | 36th pct | 50th pct |
| Efficiency ratio | 89.06% | 88th pct | 93th pct |
structural peer set hash: d913ec08cda939cd8e4b21bb50658498… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.