Side-by-side · Q2 2026 data
Jersey Shore Federal Credit Union vs Xcel Federal Credit Union
Credit union
Jersey Shore Federal Credit Union
Northfield, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Jersey Shore Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 48 | 59 (stronger) |
| Loan quality | 90 (stronger) | 67 |
| Earnings | 58 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 60th | 24th |
| Total assets | $246.3M | $185.8M |
| Deposits / shares | $227.0M | $167.9M |
| Capital ratio | 9.76% | 10.93% (stronger) |
| Problem loans | 0.29% (stronger) | 0.99% |
| Net charge-offs | 0.14% (stronger) | 0.32% |
| Return on assets | 0.96% (stronger) | 0.14% |
| Loans ÷ deposits | 57.3% (stronger) | 74.9% |
| Uninsured deposits | 6.8% (stronger) | 8.6% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Jersey Shore Federal Credit Union has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Jersey Shore Federal Credit Union leads on 6 and Xcel Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.