Side-by-side · Q2 2026 data
Xcel Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Xcel Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 67 (stronger) | 66 |
| Earnings | 26 | 83 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 24th | 85th |
| Total assets | $185.8M | $16.7M |
| Deposits / shares | $167.9M | $13.7M |
| Capital ratio | 10.93% | 17.89% (stronger) |
| Problem loans | 0.99% (stronger) | 1.02% |
| Net charge-offs | 0.32% (stronger) | 1.73% |
| Return on assets | 0.14% | 1.56% (stronger) |
| Loans ÷ deposits | 74.9% | 42.6% (stronger) |
| Uninsured deposits | 8.6% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Xcel Federal Credit Union leads on 2 and Division 819 Transit Employees Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.