PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Zeal

Livonia, MI · Charter 62426

NCUA · 14 branches

Q2 2026

$1.1BAssets
$710.2MLoans
$843.6MShares
$210.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.79%, up 11 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 1.50% of loans (+40 bps YoY).
  • Capital: net worth / assets of 19.82%, down 129 bps from a year ago.
  • Funding: loans stand at 84.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.79%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.57%-19 bps YoY

Efficiency Ratio (YTD, annualized)

47.24%-180 bps YoY

Net Worth / Assets

19.82%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.68%2.42%2.50%2.72%2.79%+11 bps
Return on Equity12.69%11.01%11.23%14.16%14.09%+140 bps
Net Interest Margin4.76%4.86%4.82%4.50%4.57%-19 bps
Efficiency Ratio49.03%53.01%51.58%49.94%47.24%-180 bps
Growth
Asset Growth (YoY)6.53%2.96%6.40%20.93%20.81%+1,428 bps
Loan Growth (YoY)1.63%-0.30%0.54%9.56%7.28%+565 bps
Share Growth (YoY)3.23%4.95%6.65%22.37%22.22%+1,899 bps
Asset Quality
Delinquent Loans / Loans1.11%1.17%1.45%1.46%1.50%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.10%21.94%22.23%19.20%19.82%-129 bps
Net Worth / Assets21.10%21.94%22.23%19.20%19.82%-129 bps
Liquidity & Funding
Loans / Shares95.91%98.53%96.51%84.51%84.18%-1,173 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps