BlastPoint's Credit Union Scorecard
XCEL
Charter #16218 · NJ
XCEL has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.5% in tier
- - Stagnation Risk: Bottom 33.0% in tier
- - Membership Headwinds: Bottom 33.4% in tier
- - Deposit Outflow: Bottom 86.2% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 19.24% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,073
-0.5% YoY-0.2% QoQ
|
-3.6K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$184.8M
-0.5% YoY-2.3% QoQ
|
$-46.5M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$122.8M
+1.7% YoY+1.2% QoQ
|
$-25.0M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$167.7M
-1.1% YoY-2.9% QoQ
|
$-32.6M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
-0.1%
-194.6% YoY-66.3% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.8% in tier |
| NIM |
3.9%
-3.1% YoY+2.6% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
96.5%
+6.5% YoY-4.1% QoQ
|
+19.2% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
0.7%
-14.8% YoY-1.2% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
73.2%
+2.9% YoY+4.2% QoQ
|
+0.5% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$24,063
+0.6% YoY-1.0% QoQ
|
$-300 |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
16.4%
+12.0% YoY+0.8% QoQ
|
-8.1% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.7%
-39.0% YoY-15.2% QoQ
|
-11.3% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)