Zeal

Livonia, MI · 2 · Charter #62426 · www.zealcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$878.2M
92th percentile
Members
64,934
96th percentile
Total loans
$657.7M
93th percentile
Total shares
$681.5M
88th percentile

Profitability

Return on assets
3.22%
99th percentile
Net interest margin
4.82%
98th percentile
Efficiency ratio
50.15%
81th percentile
Non-interest income ratio
27.09%
87th percentile

Capital & Risk

Net worth ratio
22.23%
100th percentile
Delinquency rate
1.45%
13th percentile
Net charge-off rate
0.77%
20th percentile
Loan-to-share
96.51%
86th percentile

Growth

Member growth YoY
-0.71%
36th percentile
Asset growth YoY
6.40%
61th percentile
Loan growth YoY
0.54%
30th percentile
Share growth YoY
6.65%
69th percentile

Operations

Members / branch
3,418
23th percentile
Assets / member
$13,525
25th percentile
Field of membership penetration
14.95%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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