Side-by-side · Q2 2026 data
County Excellence Federal Credit Union vs Xcel Federal Credit Union
Credit union
County Excellence Federal Credit Union
Roselle Park, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | County Excellence Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 61 (stronger) |
| Capital cushion | 34 | 59 (stronger) |
| Loan quality | 54 | 67 (stronger) |
| Earnings | 50 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 80 | 88 (stronger) |
| Peer percentile | 14th | 24th |
| Total assets | $137.9M | $185.8M |
| Deposits / shares | $126.5M | $167.9M |
| Capital ratio | 8.45% | 10.93% (stronger) |
| Problem loans | 1.37% | 0.99% (stronger) |
| Net charge-offs | 0.78% | 0.32% (stronger) |
| Return on assets | 0.74% (stronger) | 0.14% |
| Loans ÷ deposits | 57.2% (stronger) | 74.9% |
| Uninsured deposits | 4.1% (stronger) | 8.6% |
| Offices | 0 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Xcel Federal Credit Union has the higher TellerScore (61 vs 57). On the 7 directional measures above (where higher or lower is clearly better), County Excellence Federal Credit Union leads on 3 and Xcel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.