Side-by-side · Q2 2026 data
Xcel Federal Credit Union vs Princeton Federal Credit Union
Metric by metric
| Measure | Xcel Federal Credit Union | Princeton Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 59 |
| Capital cushion | 59 (stronger) | 50 |
| Loan quality | 67 | 68 (stronger) |
| Earnings | 26 | 29 (stronger) |
| Funding & liquidity | 85 (stronger) | 84 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 24th | 19th |
| Total assets | $185.8M | $169.2M |
| Deposits / shares | $167.9M | $151.8M |
| Capital ratio | 10.93% (stronger) | 10.02% |
| Problem loans | 0.99% | 0.95% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.66% |
| Return on assets | 0.14% | 0.21% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 76.0% |
| Uninsured deposits | 8.6% (stronger) | 10.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 8.2% |
Xcel Federal Credit Union has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Xcel Federal Credit Union leads on 5 and Princeton Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.