XCEL
Charter #16218 · Bloomfield, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.09% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.27% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.43% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 62nd — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | XCEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $185.97M | 46th pct | 33th pct |
| Members | 12,009 | 44th pct | 33th pct |
| Net worth ratio | 10.88% | 41th pct | 62th pct |
| Return on average assets | 0.09% | 11th pct | 15th pct |
| Net interest margin | 3.83% | 62th pct | 54th pct |
| Cost of funds | 1.24% | 52th pct | 52th pct |
| Loan-to-share | 73.69% | 54th pct | 51th pct |
| Delinquency 60+ days | 1.27% | 85th pct | 89th pct |
| Net charge-off ratio | 0.31% | 45th pct | 49th pct |
| Loan growth YoY | 0.91% | 56th pct | 59th pct |
| Share growth YoY | 0.25% | 11th pct | 13th pct |
| Efficiency ratio | 98.43% | 96th pct | 92th pct |
structural peer set hash: 82ad9820ec38f0a1ecc2997bbdf1072a… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.