Zeal
Livonia, MI · Charter 62426 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.1BAssets
$710.2MLoans
$843.6MShares
$210.1MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 100% of credit unions $1B-$10B in assets (rank 1 of 435).
- Widest gap: nonperforming loans / loans trails 90% of credit unions $1B-$10B in assets (rank 392 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.79%
Rank 1 of 435
Net Interest Margin
4.58%
Rank 9 of 435
Efficiency Ratio
47.23%
Rank 8 of 435
Equity / Assets
19.82%
Rank 7 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.79% | 0.55% | 0.81% | 1.14% | Beats 100% | 1 / 435 | |
| Return on Equity | 14.09% | 5.12% | 7.41% | 9.70% | Beats 97% | 12 / 435 | |
| Net Interest Margin | 4.58% | 3.01% | 3.39% | 3.75% | Beats 98% | 9 / 435 | |
| Efficiency Ratio | 47.23% | 65.25% | 71.39% | 77.86% | Beats 98% | 8 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.45% | 0.69% | 1.05% | Beats 10% | 392 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.82% | 9.81% | 10.84% | 12.63% | Beats 98% | 7 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.82% | 9.81% | 10.84% | 12.63% | Beats 98% | 7 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 84.18% | 78.33% | 88.38% | 95.61% | 38th pctl | 268 / 435 | |
| Loans / Assets | 66.99% | 67.69% | 74.58% | 80.80% | 22nd pctl | 338 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |