Xcel

Bloomfield, NJ · 1 · Charter #16218 · www.xcelfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$186.5M
85th percentile
Members
11,953
79th percentile
Total loans
$121.9M
87th percentile
Total shares
$154.9M
84th percentile

Profitability

Return on assets
0.33%
10th percentile
Net interest margin
3.93%
66th percentile
Efficiency ratio
74.21%
15th percentile
Non-interest income ratio
13.81%
34th percentile

Capital & Risk

Net worth ratio
10.82%
33th percentile
Delinquency rate
1.02%
32th percentile
Net charge-off rate
0.39%
43th percentile
Loan-to-share
78.73%
68th percentile

Growth

Member growth YoY
-2.42%
29th percentile
Asset growth YoY
0.08%
21th percentile
Loan growth YoY
1.81%
53th percentile
Share growth YoY
0.83%
29th percentile

Operations

Members / branch
3,984
69th percentile
Assets / member
$15,603
59th percentile
Field of membership penetration
11.36%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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