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
- 11,953
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
11,953 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | XCEL |
|---|---|
| Total Assets | $186.5M |
| Members | 11,953 |
| Loans Outstanding | $121.9M |
| Shares & Deposits | $168.6M |
| Net Worth | $20.2M |
| Net Worth Ratio | 10.82% |
| Loan-to-Share Ratio | 72.3% |
| Delinquency Rate | 1.02% |
| Net Income | +$608,919 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New Jersey RankingsFrequently Asked Questions
Yes. XCEL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, XCEL has 11,953 members and a potential membership field of 105,224 people.
XCEL's net worth ratio is 10.82% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.8%, XCEL meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or XCEL. All financial data is for informational purposes only.