Side-by-side · Q2 2026 data
North Jersey Federal Credit Union vs Xcel Federal Credit Union
Metric by metric
| Measure | North Jersey Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 61 |
| Capital cushion | 55 | 59 (stronger) |
| Loan quality | 70 (stronger) | 67 |
| Earnings | 43 (stronger) | 26 |
| Funding & liquidity | 97 (stronger) | 85 |
| Problem-loan coverage | 90 (stronger) | 88 |
| Peer percentile | 37th | 24th |
| Total assets | $255.6M | $185.8M |
| Deposits / shares | $234.6M | $167.9M |
| Capital ratio | 10.53% | 10.93% (stronger) |
| Problem loans | 0.89% (stronger) | 0.99% |
| Net charge-offs | 0.39% | 0.32% (stronger) |
| Return on assets | 0.58% (stronger) | 0.14% |
| Loans ÷ deposits | 62.9% (stronger) | 74.9% |
| Uninsured deposits | 4.1% (stronger) | 8.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.2% | 26.8% |
North Jersey Federal Credit Union has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), North Jersey Federal Credit Union leads on 5 and Xcel Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.