TellerScore

Headquartered in Norcross, Georgia, Excel Federal Credit Union is a federal credit union with $174.0M in total assets and $113.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, Excel Federal Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 22nd. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is funding & liquidity (61/100; 99% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.60%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity61/100
Loans ÷ shares: 99.2% · 4.2% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (71 → 79), mostly because the loan quality component improved by 13 points.

TellerScore
657279Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202469
Q4 202470
Q1 202570
Q2 202571
Q3 202571
Q4 202574
Q1 202676
Q2 202679
Net worth ratio
7.00%10.30%13.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.96%
Q3 202411.14%
Q4 202411.68%
Q1 202511.70%
Q2 202512.64%
Q3 202512.71%
Q4 202513.50%
Q1 202613.35%
Q2 202613.60%
Delinquent loans (60+ days)
0.50%0.75%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20240.96%
Q4 20240.94%
Q1 20250.58%
Q2 20250.89%
Q3 20250.73%
Q4 20250.82%
Q1 20260.68%
Q2 20260.50%
Return on assets
0.65%0.91%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20241.15%
Q4 20241.13%
Q1 20250.65%
Q2 20250.92%
Q3 20250.86%
Q4 20251.02%
Q1 20261.09%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$174.0M13.60%0.50%1.16%99.2%
Q1 202676$173.2M13.35%0.68%1.09%98.3%
Q4 202574$166.5M13.50%0.82%1.02%100.2%
Q3 202571$172.2M12.71%0.73%0.86%98.9%
Q2 202571$170.6M12.64%0.89%0.92%94.5%
Q1 202570$173.1M11.70%0.58%0.65%86.5%
Q4 202470$170.9M11.68%0.94%1.13%89.9%
Q3 202469$175.5M11.14%0.96%1.15%85.1%
Q2 202465$170.1M10.96%1.00%0.71%84.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.60%
75th
Problem loans0.50%
64th
Net charge-offs0.14%
79th
Return on assets1.16%
76th
Loans to deposits99.2%
4th
Uninsured deposits4.2%
69th
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Georgia Heritage Federal Credit UnionCredit union Savannah, GA67 out of 100, Moderate$162.7M10.4%0.34%vs
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Family First Credit UnionCredit union Hapeville, GA64 out of 100, Moderate$136.3M13.5%1.94%vs
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Aflac Federal Credit UnionCredit union Columbus, GA86 out of 100, Very strong$133.8M38.9%1.66%vs

Deposit insurance

Is my money safe at Excel Federal Credit Union?

Yes. Excel Federal Credit Union is a federally insured credit union (NCUA charter #7825). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.2% of shares and deposits ($4.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.60%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Excel Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Excel Federal Credit Union
Type
Federal credit union
NCUA charter #
7825
RSSD ID
96580
Primary regulator
NCUA
Established
1952
Headquarters
5070 Peachtree Industrial Blvd, Norcross, GA 30071
Employees
44

Quick answers

Excel Federal Credit Union: common questions

Is Excel Federal Credit Union NCUA insured?

Yes. Excel Federal Credit Union is a federally insured credit union (NCUA charter #7825). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Excel Federal Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Excel Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs