XCEL Credit Union Profile

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XCEL

Charter #16218 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (973) 275-9235

Fax: (973) 528-8772

Founding Date: N/A

Website: http://www.xcelfcu.org

Personnel & Operations

President: Ford, Phyllis

Manager: Mahiya, Michael

FT Employees: 37

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 3

Hours: Monday thru Friday 8:00 am---5:00 pm

Credit Union Profile Summary

XCEL is a FCU Credit Union. With a total of 12,099 members [1], this institution manages approximately $189,230,174 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.49% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 2.50% [1].

Financial Snapshot

Total Assets [1]
$189,230,174

Total economic resources.

Total Loans [1]
$121,344,666

Total value of outstanding loans.

Total Deposits [1]
$172,778,855

Total funds deposited by members.

Members [1]
12,099

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.49%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.34%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
70.23%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.92%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 2.50%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.74%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1460 Broad St

Bloomfield, NJ, 07003
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by XCEL (Charter #16218).

Main Office

XCEL Federal Credit Union Main Office

Type: Corporate Office

1460 Broad St

Bloomfield, NJ 07003

Phone: (973) 275-9235

Services: ATM

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Additional Branches

Jersey City

XCEL Federal Credit Union

Type: Branch Office

30 Path Plz

Journal Square

Jersey City, NJ 07306

Phone: (973) 275-9235

Services: Member Services, ATM

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New York

XCEL Federal Credit Union

Type: Branch Office

26 Federal Plz Fl 31

New York, NY 10278-1300

Phone: (973) 275-9235

Services: Member Services, ATM

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