Federal credit union · Norcross, Georgia · NCUA charter #7825
EXCEL
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $166.5M
- Total assets
- 10,375
- Members
- 13.4%
- Net-worth ratio
EXCEL scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $166.5M; members 10,375; net-worth ratio 13.35%; health rank #3,086 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,086 of 4,374 health · 2025Q4EXCEL · health 77/100 · $166.5M · 2025Q4
Call Report peers
EXCEL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EXCEL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EXCEL sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where EXCEL diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +28.00 pp (100.20% vs 72.20%).
Georgia standing for EXCEL
- In Georgia, health place is #53 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, EXCEL is #23 of 74 in Georgia.
- Membership ranks #31 of 74 among Georgia CUs with a reported count (10,375 members).
- One place up in Georgia, Credit Union of Atlanta (#52) ties at 77/100; one place down, Southern Pine (#54) scores 76/100, 1 point lower.
How EXCEL's 5300 filing moved
EXCEL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $166.5M (2025Q4) to $173.2M (2026Q1).
- Net-worth ratio shifted -0.15 pp (13.50% → 13.35%).
13.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
EXCEL gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for EXCEL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.35% | +1.24 pp |
| Delinquency Rate | 0.82% | -0.07 pp |
| Return on Assets | 1.16% | +0.53 pp |
| Member Growth | -9.61% | - |
| Loan-to-Share Ratio | 100.20% | +28.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
EXCEL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $173.2M | - |
| 2025Q4 | $166.5M | 10,375 |
| 2024Q4 | $170.9M | 11,478 |
| 2023Q4 | $163.7M | 14,173 |
Credit Union Details
- Charter Number
- 7825
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Norcross
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, EXCEL runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Peachtree Corners, GA |
| Midtown | Atlanta, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for EXCEL
Using this data
- EXCEL ranks #3,086 of 4,374 nationally on financial health and #53 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgia Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgia Heritage
Frequently Asked Questions
Is EXCEL financially healthy?
On its 2025Q4 NCUA 5300 filing, EXCEL scores 77/100 (Very Good), with a 13.35% net worth ratio and 0.82% of loans delinquent. It ranks #3,086 of 4,374 nationally on health and #53 of 74 in Georgia.
How does EXCEL compare to other credit unions?
EXCEL scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (100.20% vs 72.20%).
How can I join EXCEL?
EXCEL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact EXCEL directly for the exact boundaries and application steps.
Is my money safe at EXCEL?
EXCEL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. EXCEL's net worth ratio of 13.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.