Excite Credit Union San Jose, California
Excite Credit Union is a state-chartered credit union headquartered in San Jose, CA, established in 1952 (NCUA charter 68441), and it is regulated and insured by the NCUA. At Q2 2026 it reported 42,010 members and total assets of $613.8M (up 0.4% from Q2 2025), the 85th largest of 238 credit unions headquartered in California. Its net worth ratio was 6.89% at Q2 2026, in the adequately capitalized band.
Also written as Excite CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68441
- Headquarters
- San Jose, CA
- Established
- 1952
- Total assets, Q2 2026
- $613.8M
- Assets vs Q2 2025
- +0.4%
- Members, Q2 2026
- 42,010
- Net worth ratio, Q2 2026
- 6.89%
- Latest call report
- Q2 2026, NCUA 5300 · Excite Credit Union call report
- Asset rank in state
- 85th of 238 in California
- Routing number
- 321176804
- Branches
- 6
It has 3,810 fewer members than on June 30, 2025 (-8.3%). Its net worth ratio was down 0.23 percentage points from 7.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $240.7M of $462.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 6.89% net worth ratio is below that band's 11.43% median.
Frequently asked about Excite Credit Union
How big is Excite Credit Union?
At Q2 2026 it reported total assets of $613.8M and 42,010 members.
Where is Excite Credit Union headquartered?
It is headquartered in San Jose, CA, United States.
When was Excite Credit Union founded?
It was established in 1952, per NCUA records.
Is Excite Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68441): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Excite Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Excite Credit Union well capitalized?
Its net worth ratio was 6.89% at Q2 2026, in the adequately capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Excite Credit Union's delinquency ratio?
Its delinquency ratio was 0.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Excite Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Jose, CA 95125
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 68441
- RSSD ID
- 550288
- Members
- 42,010
- Potential members
- 5,173,277
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 6.89% | 11.43% | under 10th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.25% | 0.81% | 14th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.66% | 7.02% | 24th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.79% | 3.70% | 56th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.75% | 76.55% | 31st below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.06% | 1.24% | 63rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.54% | 0.68% | 62nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.86% | 4.92% | 46th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.35% | 75.66% | 61st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$613.8M total assets against $611.6M; $575.0M total shares and deposits against $552.5M; $462.1M total loans against $460.9M.
$42.3M net worth against $43.6M.
6.89% net worth ratio against 7.12%.
80.35% loan-to-share ratio against 83.43%.
0.54% delinquency ratio against 1.23%.
0.25% return on assets against -0.03%; 3.66% return on equity against -0.44%.
3.79% net interest margin against 3.77%.
42,010 members against 45,820.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 6.89% | 0.25% | 0.54% | 80.35% |
| March 31, 2026 | 6.95% | -0.20% | 0.92% | 78.49% |
| December 31, 2025 | 6.97% | -0.39% | 1.08% | 78.94% |
| September 30, 2025 | 7.10% | 0.07% | 1.13% | 81.82% |
| June 30, 2025 | 7.12% | -0.03% | 1.23% | 83.43% |
| March 31, 2025 | 7.19% | 0.20% | 0.85% | 81.34% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is between 6% and 7%, adequately capitalized but below the 7% level NCUA considers well capitalized. Worth monitoring, not yet a PCA trigger. NCUA well-capitalized threshold, 12 CFR 702.102.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.