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
- ASSETS 77/100
- MEM 13.4%
- RANK 0.82%
- PHOTO 1.16%
- BOOK $166.5M
- CHARTER 10,375
- NCUSIF #3,086/4,374
- CAMELS HOPEWELL
- HEALTH 7825
Call Report peers
EXCEL in the assets neighbourhood
EXCEL's $166.5M assets sit next to HOPEWELL ($165.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
EXCEL - Share Insurance Coverage
Charter #7825's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How EXCEL's 5300 filing moved
EXCEL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $166.5M (2025Q4) to $173.2M (2026Q1).
- Net-worth ratio shifted -0.15 pp (13.50% → 13.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for EXCEL - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($166.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is EXCEL financially healthy?
A 13.35% net worth ratio and a 0.82% delinquency rate feed into EXCEL's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,086 of 4,374; by total assets it ranks #1,412 of 4,374 nationally (same basis as /rankings/largest); and #23 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EXCEL compare to other credit unions?
77/100 is EXCEL's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like EXCEL are 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."
What rates does EXCEL offer compared to banks?
Credit unions like EXCEL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact EXCEL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.