Charter 16218 · Bloomfield, NJ
Xcel Federal Credit Union
Xcel Federal Credit Union is a federally chartered credit union in Bloomfield, New Jersey, with $186 million in assets and 12,063 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.93%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $186 million
- -1.8% in a year
- Members
- 12,063
- -0.3% in a year
- Net worth ratio
- 10.93%
- Peer median 11.65%
- Loans 60+ days late
- 0.99%
- Peer median 0.70%
- Loans outstanding
- $126 million
- +3.7% in a year
- Shares and deposits
- $168 million
- -2.8% in a year
- Branches
- 3
- 38 employees
- Opened
- 1964
- Federal charter
How Xcel Federal Credit Union compares
NCUA groups credit unions by size; Xcel Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.93% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.99%, is higher than the group median of 0.70%. Loans grew 3.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 16 of 126 credit unions headquartered in New Jersey. See all New Jersey credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $186 million | 12,063 | $126 million | 10.93% | 0.99% |
| Q1 2026 | $186 million | 12,009 | $124 million | 10.88% | 1.27% |
| Q4 2025 | $186 million | 11,953 | $122 million | 10.82% | 1.02% |
| Q3 2025 | $185 million | 12,073 | $123 million | 10.83% | 0.74% |
| Q2 2025 | $189 million | 12,099 | $121 million | 10.49% | 0.75% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 105,224 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Xcel Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- XCEL Federal Credit Union (main office)
1460 Broad St, Bloomfield, NJ 07003 - XCEL Federal Credit Union
30 Path Plz, Jersey City, NJ 07306 - XCEL Federal Credit Union
26 Federal Plz Fl 31, New York, NY 10278 - Bloomfield Branch
1460 Broad St, Bloomfield, NJ 07003
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology