Headquartered in San Jose, California, Excite Credit Union is a federally insured state-chartered credit union with $613.8M in total assets and $575.0M in member shares and deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1952.
Excite Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 219th. Problem-loan coverage contributes the most (85/100, 7.7%); capital cushion contributes the least (19/100, 6.89%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (44 → 51), mostly because the loan quality component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 42 |
| Q4 2024 | 42 |
| Q1 2025 | 50 |
| Q2 2025 | 44 |
| Q3 2025 | 46 |
| Q4 2025 | 46 |
| Q1 2026 | 46 |
| Q2 2026 | 51 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.57% |
| Q3 2024 | 6.81% |
| Q4 2024 | 7.06% |
| Q1 2025 | 7.19% |
| Q2 2025 | 7.12% |
| Q3 2025 | 7.10% |
| Q4 2025 | 6.97% |
| Q1 2026 | 6.95% |
| Q2 2026 | 6.89% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.08% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.49% |
| Q3 2024 | -2.17% |
| Q4 2024 | -1.71% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.08% |
| Q4 2025 | -0.04% |
| Q1 2026 | -0.20% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $613.8M | 6.89% | 0.54% | 0.03% | 80.4% |
| Q1 2026 | 46 | $615.2M | 6.95% | 0.92% | -0.20% | 78.5% |
| Q4 2025 | 46 | $618.1M | 6.97% | 1.08% | -0.04% | 78.9% |
| Q3 2025 | 46 | $615.4M | 7.10% | 1.13% | 0.08% | 81.8% |
| Q2 2025 | 44 | $611.6M | 7.12% | 1.23% | 0.09% | 83.4% |
| Q1 2025 | 50 | $618.8M | 7.19% | 0.85% | 0.20% | 81.3% |
| Q4 2024 | 42 | $625.7M | 7.06% | 1.05% | -1.71% | 82.4% |
| Q3 2024 | 42 | $653.4M | 6.81% | 0.94% | -2.17% | 84.6% |
| Q2 2024 | 42 | $682.5M | 7.57% | 1.17% | -1.49% | 86.1% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| I.L.W.U. Federal Credit UnionCredit union Long Beach, CA | 67 out of 100, Moderate | $607.5M | 9.9% | 0.89% | vs |
| Commonwealth Central Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $624.9M | 14.2% | 0.41% | vs |
| Cabrillo Credit UnionCredit union San Diego, CA | 59 out of 100, Moderate | $573.5M | 9.5% | 0.92% | vs |
| Premier One Credit UnionCredit union San Jose, CA | 65 out of 100, Moderate | $655.7M | 9.7% | 0.25% | vs |
| First U.S. Community Credit UnionCredit union Sacramento, CA | 67 out of 100, Moderate | $547.9M | 11.9% | 0.92% | vs |
| Mypoint Credit UnionCredit union San Diego, CA | 58 out of 100, Moderate | $704.5M | 8.6% | 0.27% | vs |
Deposit insurance
Is my money safe at Excite Credit Union?
Yes. Excite Credit Union is a federally insured credit union (NCUA charter #68441). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.5% of shares and deposits ($37.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 6.89%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Excite Credit Union lists 6 offices in 2 cities across 2 states. Most locations:
- San Jose, CA (4)
- Wilmington, NC (2)
HMDA 2025
Mortgage lending
In 2025, Excite Credit Union reported 52 home-loan applications under HMDA (LEI 549300DFCG6GF21KOW34): 29 originated ($14,125,000 total), 10 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Excite Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68441
- RSSD ID
- 550288
- Primary regulator
- State + NCUA
- Established
- 1952
- Headquarters
- 265 Curtner Avenue, San Jose, CA 95125
- Employees
- 106
Quick answers
Excite Credit Union: common questions
Is Excite Credit Union NCUA insured?
Yes. Excite Credit Union is a federally insured credit union (NCUA charter #68441). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Excite Credit Union's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Excite Credit Union have?
6 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near San Jose
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Commonwealth Central Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $624.9M | 14.2% | 0.41% | vs |
| F3 Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $236.8M | 18.5% | 1.05% | vs |
| Star One Credit UnionCredit union Sunnyvale, CA | 77 out of 100, Strong | $9.7B | 14.1% | 0.13% | vs |
| 1st United Credit UnionCredit union Pleasanton, CA | 77 out of 100, Strong | $1.3B | 12.2% | 0.25% | vs |