ZEAL

Charter #62426 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

ZEAL has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 26.3% in tier
  • + Relationship Depth Leader: Top 29.6% in tier
  • + ROA 1.69% above tier average
  • + Net Interest Margin 1.45% above tier average
  • + Share Certificate Concentration (%): Top 0.9% in tier
  • + Net Worth Ratio: Top 1.8% in tier
  • + Efficiency Ratio: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 0.5% in tier
  • - Stagnation Risk: Bottom 15.7% in tier
  • - Liquidity Strain: Bottom 16.2% in tier
  • - Liquidity Overhang: Bottom 16.9% in tier
  • - Credit Quality Pressure: Bottom 24.5% in tier
  • - Membership Headwinds: Bottom 32.0% in tier
  • - Delinquency rate 0.35% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 65,510
-0.6% YoY-1.0% QoQ
 +13.4K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 17.9% in tier
Assets $864.1M
+3.0% YoY-1.5% QoQ
 +$5.1M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $661.2M
-0.3% YoY-0.1% QoQ
 +$57.8M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $671.1M
+4.9% YoY-2.8% QoQ
 $-63.1M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Bottom 14.3% in tier
ROA 2.4%
-11.2% YoY-10.8% QoQ
 +1.7% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 0.9% in tier
NIM 4.8%
+0.6% YoY+0.9% QoQ
 +1.4% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 3.6% in tier
Efficiency Ratio 53.0%
+9.4% YoY+8.1% QoQ
 -21.5% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 5.4% in tier
Delinquency Rate 1.2%
+4.4% YoY+5.7% QoQ
 +0.4 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 23.2% in tier
Loan To Share 98.5%
-5.0% YoY+2.7% QoQ
 +15.9% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 14.3% in tier
AMR $20,337
+2.9% YoY-0.5% QoQ
 $-8K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Bottom 15.2% in tier
CD Concentration 4.0%
+0.1% YoY-1.4% QoQ
 -20.4% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 3.3% in tier
Indirect Auto % 9.5%
-5.9% YoY-3.3% QoQ
 -4.5% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 53rd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#725 of 1006 • Top 26.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.93%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#816 of 1006 • Top 29.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.93%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Margin Compression

decline
#3 of 136 • Bottom 0.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 2.40%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.30% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $864.14M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk
#259 of 550 • Bottom 15.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 2.40%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 3.97%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Strain

risk
#126 of 258 • Bottom 16.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.53%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.30%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Liquidity Overhang

risk
#262 of 552 • Bottom 16.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 21.93%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 98.53%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#606 of 736 • Bottom 24.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline
#528 of 550 • Bottom 32.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (9 metrics)

1
Return on Assets (ROA)
profitability
Value: 2.40%
Peer Avg: 0.71%
#1 of 112 Top 0.0% in 750M-1B tier
2
Share Certificate Concentration (%)
balance_sheet
Value: 3.97%
Peer Avg: 28.34%
#2 of 112 Top 0.9% in 750M-1B tier
3
Net Worth Ratio
risk
Value: 21.93%
Peer Avg: 11.52%
#3 of 112 Top 1.8% in 750M-1B tier
4
Net Interest Margin (NIM)
profitability
Value: 4.82%
Peer Avg: 3.38%
#4 of 112 Top 2.7% in 750M-1B tier
7
Efficiency Ratio
profitability
Value: 53.01%
Peer Avg: 74.52%
#7 of 112 Top 5.4% in 750M-1B tier
16
Loan-to-Share Ratio
balance_sheet
Value: 98.53%
Peer Avg: 82.66%
#16 of 112 Top 13.4% in 750M-1B tier
16
Members Per Employee (MPE)
engagement
Value: 461.338
Peer Avg: 361.634
#16 of 112 Top 13.4% in 750M-1B tier
20
Total Members
engagement
Value: 65,510
Peer Avg: 52,114
#20 of 112 Top 17.0% in 750M-1B tier
23
Fee Income Per Member
profitability
Value: $251.00
Peer Avg: $204.75
#23 of 112 Top 19.6% in 750M-1B tier

Top Weaknesses (5 metrics)

96
Total Deposits
balance_sheet
Value: $671.09M
Peer Avg: $734.17M
#96 of 112 Bottom 15.2% in 750M-1B tier
95
Average Member Relationship (AMR)
engagement
Value: $20,337
Peer Avg: $28,651
#95 of 112 Bottom 16.1% in 750M-1B tier
87
Total Delinquency Rate (60+ days)
risk
Value: 1.17%
Peer Avg: 0.82%
#87 of 112 Bottom 23.2% in 750M-1B tier
87
Net Charge-Off Rate
risk
Value: 0.84%
Peer Avg: 0.61%
#87 of 112 Bottom 23.2% in 750M-1B tier
86
Loan Growth Rate
growth
Value: -0.30%
Peer Avg: 4.84%
#86 of 112 Bottom 24.1% in 750M-1B tier