XCEL
Federal • Bloomfield, New Jersey • Est. 1964
Quick Facts
- Charter Number
- #16218
- Type
- Federal
- Established
- 1964
- Headquarters
- Bloomfield, New Jersey 07003
- Address
- 1460 Broad St
- Branches
- 4
- ATMs
- 3
- Members
- 12,009
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
12,009 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | XCEL |
|---|---|
| Total Assets | $186.0M |
| Members | 12,009 |
| Loans Outstanding | $123.9M |
| Shares & Deposits | $168.1M |
| Net Worth | $20.2M |
| Net Worth Ratio | 10.88% |
| Loan-to-Share Ratio | 73.7% |
| Delinquency Rate | 1.27% |
| Net Income | +$15,216 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 3 ATMs
XCEL Federal Credit Union
Main Office1460 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 10278-1300
Bloomfield Branch
1460 Broad St
Bloomfield, NJ 07003
Who Can Join XCEL?
Membership Type: Community
Membership eligibility for XCEL may vary. Contact the credit union directly to confirm qualification requirements.
Contact XCEL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New Jersey
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New Jersey RankingsFrequently Asked Questions
XCEL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, XCEL has 12,009 members and a potential membership field of 105,224 people.
XCEL's reported net worth ratio is 10.88% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
XCEL operates 4 branch locations and has access to 3 ATMs. The main office is located at 1460 Broad St, Bloomfield, NJ 07003.
XCEL was established in 1964. It is a federal credit union chartered under charter number 16218. The institution has been serving members for 62 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or XCEL. All financial data is for informational purposes only.