EXCITE Credit Union Profile

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EXCITE

Charter #68441 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (408) 265-7322

Fax:

Founding Date: N/A

Website: http://www.excitecu.org

Personnel & Operations

President: Rhody, Donna

Manager: Dorcy, Brian

FT Employees: 108

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 11.29%

Membership Type: 99

Branches: 5

Hours: Mon-Fri 9:00AM- 5:00PM

Credit Union Profile Summary

EXCITE is a FISCU Credit Union. With a total of 45,820 members [1], this institution manages approximately $611,590,812 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.12% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.36% [1].

Financial Snapshot

Total Assets [1]
$611,590,812

Total economic resources.

Total Loans [1]
$460,938,876

Total value of outstanding loans.

Total Deposits [1]
$552,497,605

Total funds deposited by members.

Members [1]
45,820

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.12%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.09%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
83.43%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -9.81%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.36%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.93%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

151 Bernal Rd

San Jose, CA, 95119-1306
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 6 branches reported by EXCITE (Charter #68441).

Main Office

Corporate Office Main Office

Type: Corporate Office

151 Bernal Rd

San Jose, CA 95119-1306

Phone: (408) 265-7322

Services: ATM

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Additional Branches

San Jose

Blossom Valley

Type: Branch Office

848A Blossom Hill Rd

San Jose, CA 95123

Phone: (800) 232-8669

Services: Member Services, ATM

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Curtner

Type: Branch Office

265 Curtner Ave

San Jose, CA 95125

Phone: (800) 232-8669

Services: Member Services, ATM, Drive-Thru

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Quetzal Gardens

Type: Branch Office

1695 Alum Rock Ave Ste 50

San Jose, CA 95116-2471

Phone: (800) 232-8669

Services: Member Services, ATM

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Wilmington

Glen Meade

Type: Branch Office

2465 S 17th St

Wilmington, NC 28401

Phone: (800) 232-8669

Services: Member Services, ATM, Drive-Thru

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Racine

Type: Branch Office

237 Racine Dr

Wilmington, NC 28403

Phone: (800) 232-8669

Services: Member Services, ATM, Drive-Thru

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