Compared with New Jersey
3 of 11
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
72nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 11 compared; 5 below, 3 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Xcel Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Xcel Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (72nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $303K in Q2 2026, 5.9% above the same quarter a year earlier ($286K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 11 compared published fees sit above the New Jersey median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
OD Protection Transfer
Stop Payment
Wire Transfer (Domestic In)
Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.9% from Q3 2025 to Q2 2026, to $303K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$303K
Xcel Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Xcel Federal Credit Union · $186M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Xcel Federal Credit Union(this institution) | Bloomfield, NJ | $186M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alden Federal Credit Union | Chicopee, MA | $185M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Appalachian Community Federal Credit Union | Kingsport, TN | $183M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chemcel Federal Credit Union | Bishop, TX | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cincinnati Ohio Police Federal Credit Union | Cincinnati, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Democracy Federal Credit Union | Alexandria, VA | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice Financial Federal Credit Union | Gloversville, NY | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Nebraska Federal Credit Union | Omaha, NE | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage South Federal Credit Union | Sylacauga, AL | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Horizon Utah Federal Credit Union | Farmington, UT | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Infirst Federal Credit Union | Alexandria, VA | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Journey Federal Credit Union | Saint Johns, MI | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincone Federal Credit Union | Lincoln, NE | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lone Star Federal Credit Union | Dallas, TX | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Magnolia Federal Credit Union | Jackson, MS | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members' Advantage Federal Credit Union | Wisconsin Rapids, WI | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Firefighters Federal Credit Union | Miami, FL | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Miami Postal Service Federal Credit Union | Miami, FL | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Priority First Federal Credit Union | Du Bois, PA | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puerto Rico Federal Credit Union | Caparra, PR | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ripco Federal Credit Union | Rhinelander, WI | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Safe Harbor Federal Credit Union | Ludington, MI | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Metro Federal Credit Union | Prior Lake, MN | $185M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Louisiana Federal Credit Union | Lake Charles, LA | $183M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.48 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Xcel Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Xcel Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $303K | +$19K | +6.7% |
| Q1 2026 | $284K | −$54K | −16.0% |
| Q4 2025 | $338K | +$29K | +9.4% |
| Q3 2025 | $309K | +$23K | +8.0% |
| Q2 2025 | $286K | −$1K | −0.3% |
| Q1 2025 | $287K | −$2K | −0.7% |
| Q4 2024 | $289K | −$2K | −0.7% |
| Q3 2024 | $291K | +$2K | +0.7% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Xcel Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Xcel Federal Credit Union by share.
Amounts from Xcel Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Transfer | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Debit Card | $5Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Third Party Teller Check | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (Check/ACH/Pre-Authorized | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy, Subpoena | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | No chargeBelow the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Xcel Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Bloomfield, NJ | 2 |
| Jersey City, NJ | 1 |
| New York, NY | 1 |
Largest competitors nearby
Local market: Essex county, NJ, around its headquarters.
| 46 in its local market | Deposit share |
|---|---|
| Flagstar Bank, National Association | 13.3% |
| JPMorgan Chase Bank, National Association | 12.8% |
| Bank of America, National Association | 10% |
| Wells Fargo Bank, National Association | 9.8% |
| Valley National Bank | 8.8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.