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
- HEALTH 79/100
- NW 10.9%
- DELQ 1.02%
- ROA 0.11%
- ASSETS $186.5M
- MEM 11,953
- RANK #2,875/4,374
- PHOTO Sebasticook Valley
- BOOK 16218
Call Report peers
XCEL in the assets neighbourhood
XCEL's $186.5M assets sit next to Sebasticook Valley ($186.5M) 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.
XCEL 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
79 33rd percentile higher than 33% 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
XCEL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16218, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for XCEL
XCEL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $186.5M (2025Q4) to $186.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.82% → 10.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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).
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
Cross-state asset and health neighbours for XCEL - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($186.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 XCEL financially healthy?
A 10.88% net worth ratio and a 1.02% delinquency rate feed into XCEL's financial health score of 79/100 (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 #2,875 of 4,374; by total assets it ranks #1,325 of 4,374 nationally (same basis as /rankings/largest); and #16 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does XCEL compare to other credit unions?
XCEL scores 79/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like XCEL 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. XCEL's net worth ratio of 10.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does XCEL offer compared to banks?
Credit unions like XCEL 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 XCEL 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.