Federal credit union · Bloomfield, New Jersey · NCUA charter #16218
XCEL
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $186.5M
- Total assets
- 11,953
- Members
- 10.9%
- Net-worth ratio
XCEL scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $186.5M; members 11,953; net-worth ratio 10.88%; health rank #2,875 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,875 of 4,374 health · 2025Q4XCEL · health 79/100 · $186.5M · 2025Q4
Call Report peers
XCEL in the assets neighbourhood
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XCEL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); XCEL sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for XCEL
- Loan-to-Share Ratio leads the peer set - 72.33% here, 72.20% peer average (+0.13 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.23 pp (10.88% vs 12.11%).
New Jersey standing for XCEL
- New Jersey health ordinal: #46 of 127.
- Assets rank #16 of 127 inside New Jersey ($186.5M reported).
- New Jersey membership ordinal: #21 of 127.
- One place up in New Jersey, New Community (#45) ties at 79/100; one place down, AFFINITY (#47) ties at 79/100.
Quarter path for XCEL
XCEL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $186.5M (2025Q4) to $186.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.82% → 10.88%).
This credit union's 10.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
XCEL gives up 21 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 9.1 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for XCEL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.88% | -1.23 pp |
| Delinquency Rate | 1.02% | +0.13 pp |
| Return on Assets | 0.11% | -0.51 pp |
| Member Growth | -2.42% | - |
| Loan-to-Share Ratio | 72.33% | +0.13 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $186.0M | - |
| 2025Q4 | $186.5M | 11,953 |
| 2024Q4 | $186.3M | 12,249 |
| 2023Q4 | $183.3M | 12,110 |
Credit Union Details
- Charter Number
- 16218
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Bloomfield
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, XCEL runs 4 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| XCEL Federal Credit Union (Main Office) | Bloomfield, NJ |
| Bloomfield Branch | Bloomfield, NJ |
| XCEL Federal Credit Union | Jersey City, NJ |
| XCEL Federal Credit Union | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for XCEL
Similar total assets
Using this data
- XCEL ranks #2,875 of 4,374 nationally on financial health and #46 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Financial
Frequently Asked Questions
Is XCEL financially healthy?
On its 2025Q4 NCUA 5300 filing, XCEL scores 79/100 (Very Good), with a 10.88% net worth ratio and 1.02% of loans delinquent. It ranks #2,875 of 4,374 nationally on health and #46 of 127 in New Jersey.
How does XCEL compare to other credit unions?
XCEL scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.33% vs 72.20%). Its widest shortfall is net worth ratio (10.88% vs 12.11%).
How can I join XCEL?
XCEL serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact XCEL directly for the current list of qualifying groups.
Is my money safe at XCEL?
XCEL 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. XCEL's net worth ratio of 10.88% 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.