XCEL

Charter #16218 | NJ

100M-500M (1077 CUs) Micro
25 100M-500M in NJ

XCEL has 3 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 27.9% in tier
  • + Wallet Share Momentum: Top 36.2% in tier
  • + Net Interest Margin 0.33% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.5% in tier
  • - Deposit Outflow: Bottom 15.7% in tier
  • - Stagnation Risk: Bottom 33.0% in tier
  • - Membership Headwinds: Bottom 33.4% 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
 42nd in tier
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
 46th in tier
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
 50th in tier
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
 49th in tier
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
 68th in tier
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
 55th in tier
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
 48th in tier
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
 60th in tier
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
 50th in tier
Indirect Auto % 2.7%
-39.0% YoY-15.2% QoQ
 -11.3% 14.0%
-5.8% YoY
 0.9%
-16.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#769 of 1006 • Top 27.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.57%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#998 of 1006 • Top 36.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.57%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#27 of 521 • Bottom 1.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 96.51%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.24% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.50%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline
#93 of 114 • Bottom 15.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.11%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $184.82M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Stagnation Risk

risk
#544 of 550 • Bottom 33.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.11%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.50%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 16.35%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#550 of 550 • Bottom 33.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.50%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

1035
Efficiency Ratio
profitability
Value: 96.51%
Peer Avg: 77.28%
#1035 of 1077 Bottom 4.0% in 100M-500M tier
1014
Return on Assets (ROA)
profitability
Value: -0.11%
Peer Avg: 0.79%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
945
Deposit Growth Rate
growth
Value: -1.11%
Peer Avg: 4.69%
#945 of 1077 Bottom 12.3% in 100M-500M tier
901
Asset Growth Rate
growth
Value: -0.51%
Peer Avg: 4.70%
#901 of 1077 Bottom 16.4% in 100M-500M tier