Side-by-side · Q2 2026 data
Excel Federal Credit Union vs Go Energy Financial Credit Union
Metric by metric
| Measure | Excel Federal Credit Union | Go Energy Financial Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 72 |
| Capital cushion | 86 (stronger) | 68 |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 67 (stronger) | 48 |
| Funding & liquidity | 61 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 76th | 57th |
| Total assets | $174.0M | $152.6M |
| Deposits / shares | $113.8M | $134.1M |
| Capital ratio | 13.60% (stronger) | 11.81% |
| Problem loans | 0.50% | 0.46% (stronger) |
| Net charge-offs | 0.14% | 0.08% (stronger) |
| Return on assets | 1.16% (stronger) | 0.70% |
| Loans ÷ deposits | 99.2% | 84.5% (stronger) |
| Uninsured deposits | 4.2% (stronger) | 10.4% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Excel Federal Credit Union has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Excel Federal Credit Union leads on 4 and Go Energy Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.