Side-by-side · Q2 2026 data
Greater Alliance Federal Credit Union vs Xcel Federal Credit Union
Credit union
Greater Alliance Federal Credit Union
Paramus, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Greater Alliance Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 61 (stronger) |
| Capital cushion | 38 | 59 (stronger) |
| Loan quality | 47 | 67 (stronger) |
| Earnings | 28 (stronger) | 26 |
| Funding & liquidity | 79 | 85 (stronger) |
| Problem-loan coverage | 74 | 88 (stronger) |
| Peer percentile | 4th | 24th |
| Total assets | $247.6M | $185.8M |
| Deposits / shares | $221.4M | $167.9M |
| Capital ratio | 8.83% | 10.93% (stronger) |
| Problem loans | 1.58% | 0.99% (stronger) |
| Net charge-offs | 0.50% | 0.32% (stronger) |
| Return on assets | 0.20% (stronger) | 0.14% |
| Loans ÷ deposits | 81.5% | 74.9% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 8.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.8% | 26.8% |
Xcel Federal Credit Union has the higher TellerScore (61 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Greater Alliance Federal Credit Union leads on 2 and Xcel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.