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Excel Credit Union

Overview
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Excel Credit Union is a federal credit union based in Norcross, Georgia. It has been opened since 1952, for 68 years.

With around $111,790,000 in assets, Excel Credit Union is considered to be a large credit union. It has 3 branches and 3 ATM locations.

About
Address 5070 Peachtree Industrial Boulevard
Norcross, Georgia 30071
Website http://WWW.EXCELFCU.ORG
Phone (770) 441-9235
Fax (770) 582-3877
CEO Thomas Hayden
President of the Board Moses Brown
Services Offered
Map
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Score Card
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68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
14,388 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members
320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$111,785,712
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 4 in Georgia
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
9.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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3 branches
Compared with an average of 4 nationally and 4 in Georgia
Above average number of branches
Excel Credit Union Branch Locations

Excel Credit Union: Midtown
1718 Peachtree Street NW Suite 153
Atlanta, Georgia 30309
ATM Available
Excel Credit Union: Atlanta Federal Center
61 Forsyth Street SW Suite 8B-70
Atlanta, Georgia 30303
ATM Available
Excel Credit Union: Main Office
5070 Peachtree Industrial Boulevard
Peachtree Corners, Georgia 30071
ATM Available
Members
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14,388 members
Membership type: Multiple common bond – primary federal, state, local government
Above average number of members

With 14,388 members, the Excel Credit Union is considered to be a large credit union. It is larger than 77% of credit unions.

Fees
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$212
Average fee per member
The average fee per member at the Excel Credit Union is $212, which is very high compared to most credit unions. This rate is higher than 99% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Excel Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
45 staff members
FTE (full-time equivalent)
4% of employees are part-time
44 full-time, 2 part-time

Excel Credit Union has 44 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 96% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Excel Credit Union has around 320 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$111,785,712
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$14,359
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 77% of credit unions.

Excel Credit Union holds a total of $77,750,000 in loans and leases, which is about $14,359 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Excel Credit Union pays 0.20%.

Loan rates
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9.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
14.90%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.99%
New car loan rate
Compared to 4.0% nationally
2.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.63%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
4.50%
Other real estate loan rates
Compared to 0.9% nationally
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