XCEL Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Weak (1.0) profitability.
Other Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 10.9.
Asset Mix:
Consumer loans (26%), home mtgs (16%), other (58%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1460 Broad Street
Bloomfield, NJ 07003
Bloomfield, NJ 07003
Phone Number
(973) 275-9235
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bloomfield, NJ
Bloomfield, NJ
Bloomfield, NJ