BlastPoint's Credit Union Scorecard
ZEAL
Charter #62426 · MI
ZEAL has 5 strengths but faces 8 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.77% above tier average
- + Net Interest Margin 1.46% above tier average
- + Share Certificate Concentration (%): Top 0.9% in tier
- + Net Worth Ratio: Top 1.7% in tier
- + Efficiency Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 4.1% in tier
- - Credit Quality Pressure: Bottom 38.6% in tier
- - Liquidity Strain: Bottom 56.8% in tier
- - Liquidity Overhang: Bottom 57.5% in tier
- - Stagnation Risk: Bottom 70.0% in tier
- - Credit Risk Growth: Bottom 79.6% in tier
- - Membership Headwinds: Bottom 95.8% in tier
- - Delinquency rate 0.57% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,934
-0.7% YoY-0.9% QoQ
|
+12.8K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$878.2M
+6.4% YoY+1.6% QoQ
|
+$14.4M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$657.7M
+0.5% YoY-0.5% QoQ
|
+$51.9M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$681.5M
+6.7% YoY+1.5% QoQ
|
$-55.8M |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
2.5%
-8.5% YoY+5.0% QoQ
|
+1.8% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 0.9% in tier |
| NIM |
4.9%
+1.4% YoY+0.8% QoQ
|
+1.5% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
51.6%
+8.8% YoY-2.7% QoQ
|
-22.8% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
1.4%
+23.5% YoY+23.8% QoQ
|
+0.6 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
96.5%
-5.7% YoY-2.0% QoQ
|
+13.9% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$20,623
+4.3% YoY+1.4% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
3.8%
+0.0% YoY-3.8% QoQ
|
-20.6% | 24.4% | 18.6% | 19.8% | Bottom 3.1% in tier |
| Indirect Auto % |
9.1%
-8.1% YoY-3.6% QoQ
|
-4.7% | 13.8% | 11.8% | 7.8% | 52% |
Signature Analysis
Strengths (0)
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)