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Xcel
Bloomfield, NJ · NCUA Charter #16218 · Federal charter · Chartered 1964
Total assets
$185.84M
Shares & deposits
$167.94M
Total loans
$125.83M
Members
12,063
Net worth
$20.32M
Branches
4
Rank: #1,337 of 4,299 U.S. credit unions by assets · #16 of 126 in New Jersey. Assets changed -1.8% and membership -0.3% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 10.93% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.80% |
| Loans to shares & deposits | 74.9% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $193.46M | $179.22M | $0 | $19.97M |
| Jun 2023 | $188.38M | $174.53M | $0 | $20.98M |
| Jun 2024 | $187.50M | $172.53M | $0 | $21.09M |
| Jun 2025 | $189.23M | $172.78M | $0 | $19.86M |
| Jun 2026 | $185.84M | $167.94M | $0 | $20.32M |
Branch footprint
| State | Branches |
|---|---|
| New Jersey | 3 |
| New York | 1 |
Similar-sized credit unions
Infirst ($186.04M) · Magnolia ($185.62M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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