| Metric | Excite Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.8% | -5.3 pts |
| Share growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | -1.6% | +4.3% | -6.0 pts |
| ROA | -0.20% | 0.62% | -0.8 pts |
| ROE | -2.8% | 5.9% | -8.7 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $615.2M | $576.9M | $452.8M | $42.8M | $-303K | -0.20% | 3.67% | 0.92% | 45,798 |
| Q4 2025 | $618.1M | $578.9M | $457.0M | $43.1M | $-231K | -0.04% | 3.63% | 1.08% | 45,844 |
| Q3 2025 | $615.4M | $560.4M | $458.5M | $43.8M | $378K | 0.08% | 3.63% | 1.13% | 45,745 |
| Q2 2025 | $611.6M | $552.5M | $460.9M | $43.6M | $266K | 0.09% | 3.67% | 1.23% | 45,820 |
| Q1 2025 | $618.8M | $566.0M | $460.4M | $44.6M | $314K | 0.20% | 3.53% | 0.85% | 46,129 |
| Q4 2024 | $625.7M | $569.1M | $469.0M | $44.3M | $-10.7M | -1.71% | 3.47% | 1.05% | 46,083 |
| Q3 2024 | $653.4M | $568.7M | $481.3M | $44.6M | $-10.6M | -2.17% | 3.32% | 0.94% | 46,304 |
| Q2 2024 | $682.5M | $578.1M | $498.0M | $51.8M | $-5.1M | -1.49% |
| Ratio | Excite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.20% | 0.62% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.07% |
| 1.17% |
| 46,250 |
Loan mix (Q1 2026): real estate $236.8M · commercial $1.8M · consumer $213.0M · securities $90.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 78.3% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Excite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Excite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Excite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Excite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.