Xcel
Xcel is a credit union based in Bloomfield, New Jersey, established in 1964, with $186 million in total assets serving 12,009 members. By Trust Grade it ranks 77th of 127 credit unions we track in New Jersey. Its net worth ratio of 10.9% trails most similarly sized credit unions (44th percentile), versus a New Jersey median of 13.9%. It was profitable over the most recent period, with a 0.09% return on assets. No consumer complaints against Xcel appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Xcel compares to New Jersey peers
How we graded Xcel
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.9% capital ratio)
- Profitable (ROA 0.09%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Xcel over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Xcel insured?
Yes. Xcel is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Xcel: frequently asked questions
Is Xcel a good credit union?
Xcel earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (10.9% capital ratio); Profitable (ROA 0.09%).
Is Xcel NCUA-insured?
Yes. Xcel is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Xcel?
Xcel holds $186 million in total assets, ranking 77th of 127 credit unions we track in New Jersey. It serves 12,009 members.
Does Xcel have CFPB complaints?
No CFPB complaints against Xcel appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
