Side-by-side · Q2 2026 data
Nova Ua Federal Credit Union vs Xcel Federal Credit Union
Metric by metric
| Measure | Nova Ua Federal Credit Union | Xcel Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 61 |
| Capital cushion | 89 (stronger) | 59 |
| Loan quality | 94 (stronger) | 67 |
| Earnings | 33 (stronger) | 26 |
| Funding & liquidity | 83 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 76th | 24th |
| Total assets | $156.4M | $185.8M |
| Deposits / shares | $134.2M | $167.9M |
| Capital ratio | 13.85% (stronger) | 10.93% |
| Problem loans | 0.17% (stronger) | 0.99% |
| Net charge-offs | -0.01% (stronger) | 0.32% |
| Return on assets | 0.34% (stronger) | 0.14% |
| Loans ÷ deposits | 75.1% | 74.9% (stronger) |
| Uninsured deposits | 16.9% | 8.6% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.8% |
Nova Ua Federal Credit Union has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Nova Ua 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.