# EXCITE
San Jose, CA · NCUA charter 68441 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/excite-68441

Who the members are: state charter, organized 1952, low-income designated. 45,798 members of 5,177,065 potential (0.9% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $615.2M |
| Members | 45,798 (-0.7% YoY) |
| Full-time staff | 107 |
| Net worth | $42.8M |
| Net worth ratio | 7.0% (p2 of band) |
| ROA (annualized) | -0.20% (p4 of band) |
| Total delinquency | 0.92% (p74 of band) |
| Net charge-offs (annualized) | 0.99% (p88 of band) |
| Loans / shares | 78% (p41 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p69 of band) |
| Operating expense / assets | 4.36% (p84 of band) |
| Vehicles % of loans | 39% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 315% (p92 of band) |
| Vehicle delinquency | 0.66% (p58 of band) |
| Vehicle NCO | 1.52% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 20% |
| Average share balance | $7,371 |
| Participations bought / yr | $12.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $14.3M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,393 |
| Loans granted, annualized | $107.1M |

## Participation posture (from the same filings)

Bought $12.3M and sold $0 in the latest annualized quarter; $14.3M outstanding purchased (33.3% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 1.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | loans>95% of shares | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | loans>95% of shares |
| 2018-03 | 3 | loans>95% of shares |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | thin capital |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze | loans>95% of shares |
| 2020-06 | 5 | thin capital |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 3 |  | losing money |
| 2021-03 | 3 | net worth falling | margin squeeze |
| 2021-06 | 4 | charge-offs p90 |  |
| 2021-09 | 4 | delinquency rising | net worth falling |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 3 | net worth falling | charge-offs p90 |
| 2022-06 | 4 | leaning on borrowings |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 7 | losing money, charge-offs p90, assets shrinking |  |
| 2024-06 | 9 | net worth falling, expense trap |  |
| 2024-09 | 11 | capital below 7% |  |
| 2024-12 | 7 | repo signal | leaning on borrowings, delinquency rising, net worth falling, capital below 7% |
| 2025-03 | 4 |  | losing money, charge-offs p90, expense trap |
| 2025-06 | 3 |  | repo signal |
| 2025-09 | 4 | net worth falling |  |
| 2025-12 | 6 | capital below 7%, losing money | assets shrinking |
| 2026-03 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-09 [San Jose Giants 2026 Promotional Schedule - mlb.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPMVU4QmYyNmVzOHQwNFZxTEE5aW1pLV9yR1ZFLUdrRVNXZkgzc0l6RGI0ajFFclhyb2MzQlEzNjBaQndLQXBnSzhMQkpELV92Smh2TjA0c0djTkRTV2V3NGY2RzU5dm5XcWxJS1Y2U1VvZm9GX2ZOQmo1cmJmY2FqNGYwVTctVEE?oc=5) · mlb.com
- 2019-04-12 [Credit Union Unveils New Brand, Partnership - wilmingtonbiz.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNN1o0a19LYjIzdGN1T0ZjOTR4QlNDOFhSOXZTcnI1QnhiQVcyem9KUEJwVW1FNmFYQktTRG9xRXZLckNZNTc0TXdud0hQcklJSm1YZkR0RDRsOUphZFpwdkJ3TVhzcnY1R3ZlejlWSFRXWm9IbU11RVJvZkhlbGNiVEtzdFBqWnZJOXFpVjdZUkNMMHp1RnJlTWt0alF4S3BoUHNSdXdVazU?oc=5) · wilmingtonbiz.com
- 2019-04-03 [New for 2019: Excite Ballpark - Ballpark Digest](https://news.google.com/rss/articles/CBMidkFVX3lxTE9jaHV4RmRnMlctX3IzUTFiMEgwTzNWUmlpTXZ5MnJRYlBXTlhDZDB3aVhmRmVzOVZ2ZHFIT2JTYjBqR1pfUTNlUndISTU1Zmw0WWxuNUpReE4tWmJkMmR5cmlpZmQ0bVZPeEppek81ZzkteXhYYWc?oc=5) · Ballpark Digest
- 2022-05-02 [Media Advisory: Ribbon-Cutting Ceremony for New Dog Park at Tully Community Ballfields in San José - City of San Jose (.gov)](https://news.google.com/rss/articles/CBMibkFVX3lxTE1BNFBGaDR6dTVkT0RRd0JYdGhkS3l0b3JyZUd2aElBZ1JFVzdDbXhkdzRQRFFnOFJ1Y3h3ajlqOEt4djdMTXpKaFk3VUxXMFNpTUYtR0tJb214WHhUNzRES1lWOFV2M0Q2WnBoUElR?oc=5) · City of San Jose (.gov)
- 2020-08-26 [Alliance Credit Union plans to rebrand as Excite - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNRnRIVVAxTDdTUjZtd28zd01pS3V5TndpOFplc1p5NTQyYWVRbElMOFo1U0RyWlBPRDU5TW13aUZOcnRscFVFNDkyUmVUVk00LVlIT0Y1QnhlVE1ON0swMXhTejJaczJBd0ZyYjZrYndnMTFDSmNPejhsOGh2bndyOVdTUHA0d080ZmowLVpNM0NKeU1VbDhTeE11VlI5Zw?oc=5) · American Banker
- 2026-04-02 [First-generation college grad now leads financial literacy push at San Jose credit union - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZDJHSy1xUmR2MUllRUVsZVlOUnVtdlpkUFVPWTdmcHBhb3FsTjhiOGFsRkpTZWd1UFB0Q2FNQW9HNHFjalE4b0RNNFh1OTNvT09MbGpsV2NfMFVxcjZxdzFsUjFXMmxDcUlWQWZDVm5qWl9SNmJYRFkxdlhyWFk2QkVIamkwM0s5Q25SRWxwVW53b3ExYlg4?oc=5) · The Business Journals
- 2019-04-03 [Will ballpark’s new name be a hit with San Jose Giants fans? - The Mercury News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRDBwd1lUWnBZVVVwZnpFbGFOdEJyMGNfVFZvbWxzZG5XbEh1WUxEYmdtTWZSQWpSRzAxQmxMSTFuOUZSRU9WZGxDNU9ZVEhSUThONGRVbF92VFA3UHVqQklKNVNJQ0NLQ05rWXp2RzFuS2dZSXhCVzI1ZE9GRnZab1g4dXJlQVg2cUtoaEpJczl0Tl9KMXozaE5qX21sWTTSAaQBQVVfeXFMUG5YNmZzVTNzYzhlYTRlTHJxUVYtU2ZiQXVhcnhOVmtjSFNUNmtvMldYZEFNS1QwSzg2ZFR3SWkzN3lYb0pTMktuSnZPcy1Kdno0bktQYkxOWHlfSGR4eGFoSTNVamk4dmJKVnczUWtrNWJjUWlKUWhSNURtX1lsXzdBSHJpV2VzeDdhdXlVVi05OWctRUhYZmhQU2JSZ3VmZzh1VDY?oc=5) · The Mercury News
- 2025-05-09 [Getting California’s students to access free money relies on community partnerships - EdSource](https://news.google.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?oc=5) · EdSource

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68441 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "68441", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68441
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide