Xcel Federal Credit Union


Overview / Commentary
973-275-9235
1460 Broad St
Bloomfield, NJ 07003

Xcel Federal Credit Union is headquartered in Bloomfield and is the 16th largest credit union in the state of New Jersey. It is also the 1,316th largest credit union in the nation. It was established in 1964 and as of March of 2025, it had grown to 37 employees and 12,190 members at 3 locations. Xcel Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Xcel Federal Credit Union is open to anyone through joining the Ocean Running Club ($20 membership fee) or the Antique Automobile Club of America ($40 yearly dues) . Membership is also open to employees and members of Bloomfield College, Essex City Electricians Association, Hudson County, US Department of Justice, US Department of Education and over 100 other Select Employer Groups.
See current membership details

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Health

Health Grade Components

Overall
NCUA #16218
Year Chartered1964
Employees37
Primary Regulator
Profit Margin
Return on Assets - YTD-0.6%
Return on Equity - YTD-7.28%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$188.9MM$192.2MM
LoansQ1 2025vs Q1 2024$120.7MM$117.1MM
DepositsQ1 2025vs Q1 2024$172.3MM$177.4MM
Equity CapitalQ1 2025vs Q1 2024$15.5MM$13.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1MM$978K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$873K$760K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Xcel Federal Credit Union are currently being reviewed.

Locations


Xcel Federal Credit Union Locations
Branch Office26 Federal Plz Fl 31New York, NY 10278-1300
Main Office1460 Broad StBloomfield, NJ 07003
Branch Office30 Path Plz Journal SquareJersey City, NJ 07306

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