BlastPoint's Credit Union Scorecard

ZEAL

Charter #62426 · MI

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 21 in MI

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ZEAL has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 0.5% in tier
+ Wallet Share Momentum: Top 10.2% in tier
+ Organic Growth Engine: Top 21.8% in tier
+ Organic Growth Leader: Top 21.8% in tier
+ ROA 1.98% above tier average
+ Net Interest Margin 1.16% above tier average
+ Strong member growth: 5.0% YoY
+ Efficiency Ratio: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.6% in tier
- Credit Quality Pressure: Bottom 8.9% in tier
- Credit Risk Growth: Bottom 42.5% in tier
- Delinquency rate 0.64% above tier average
- Total Deposits: Bottom 1.7% in tier
- Total Loans: Bottom 7.3% in tier
- Total Assets: Bottom 7.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
Shares and deposits +22.2% year over year ($844M in shares and deposits).
Membership: 69,473 members, +5.0% vs a year ago.
Delinquency rate 1.50%.
Return on assets 2.80%.
Efficiency ratio 47.24% vs a 73.02% peer average.
Loan-to-share ratio 84.18% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	69,473 +5.0% YoY-4.6% QoQ	-27.4K	96,861 -1.9% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	26%
Assets	$1.1B +20.8% YoY+0.6% QoQ	$-664.2M	$1.7B +0.4% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	Bottom 7.3% in tier
Loans	$710.2M +7.3% YoY-0.7% QoQ	$-524.1M	$1.2B +0.7% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Bottom 7.0% in tier
Deposits	$843.6M +22.2% YoY-0.3% QoQ	$-619.7M	$1.5B +0.5% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	Bottom 1.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	2.8% +4.2% YoY+3.0% QoQ	+2.0%	0.8% +27.6% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 0.3% in tier
NIM	4.6% -4.0% YoY+2.0% QoQ	+1.2%	3.4% +6.6% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	Top 3.3% in tier
Efficiency Ratio	47.2% -3.7% YoY-5.4% QoQ	-25.8%	73.0% -2.7% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 1.0% in tier
Delinquency Rate	1.5% +36.1% YoY+3.3% QoQ	+0.6	0.9% +7.3% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	Bottom 11.0% in tier
Loan To Share	84.2% -12.2% YoY-0.4% QoQ	-0.5%	84.7% +0.1% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	42%
AMR	$22,365 +9.4% YoY+4.3% QoQ	$-7K	$29,575 +1.5% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Bottom 14.3% in tier
CD Concentration	7.2% +79.9% YoY-0.9% QoQ	-21.8%	29.1%	18.8%	20.0%	Bottom 1.6% in tier
Indirect Auto %	7.5% -23.5% YoY-6.7% QoQ	-10.6%	18.1%	11.7%	7.7%	31%

Signature Analysis

Strengths (4)

Emerging Performer

growth

#5 of 82 • Top 0.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 2.80%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 5.03%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Engine

growth

#7 of 113 • Top 21.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.03%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 2.80%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 7.48%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Organic Growth Leader

growth

#32 of 112 • Top 21.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.03%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 7.48%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#38 of 125 • Top 10.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.40%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#33 of 215 • Bottom 8.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#34 of 170 • Bottom 42.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.28%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Liquidity Overhang

risk

#7 of 15 • Bottom 1.6% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.82%

(Tier: 11.45%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 84.18%

(Tier: 85.94%, National: 66.39%)

worse than tier avg

15 of 377 Mid-Market CUs have this signature | 148 nationally

→ Stable (16→15 CUs) -1 CUs YoY | Rank improving

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (10 metrics)

Return on Assets (ROA)

profitability

Value: 2.80%

Peer Median: 0.77%

#1 of 300 Top 0.1% in 1B-3B tier

Efficiency Ratio

profitability

Value: 47.24%

Peer Median: 73.62%

#4 of 300 Top 1.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.25%

Peer Median: 28.24%

#5 of 300 Top 1.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 19.82%

Peer Median: 10.91%

#6 of 300 Top 1.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 20.81%

Peer Median: 5.21%

#9 of 300 Top 2.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.59%

Peer Median: 3.46%

#10 of 300 Top 3.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 22.22%

Peer Median: 4.79%

#10 of 300 Top 3.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.40%

Peer Median: 3.19%

#33 of 300 Top 10.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $289.35

Peer Median: $204.73

#48 of 300 Top 15.7% in 1B-3B tier

Member Growth Rate

growth

Value: 5.03%

Peer Median: 1.84%

#58 of 300 Top 19.0% in 1B-3B tier

Top Weaknesses (7 metrics)

296

Total Deposits

balance_sheet

Value: $843.60M

Peer Median: $1.30B

#296 of 300 Bottom 1.7% in 1B-3B tier

279

Total Loans

balance_sheet

Value: $710.18M

Peer Median: $1.14B

#279 of 300 Bottom 7.3% in 1B-3B tier

278

Total Assets

balance_sheet

Value: $1.06B

Peer Median: $1.51B

#278 of 300 Bottom 7.7% in 1B-3B tier

268

Total Delinquency Rate (60+ days)

risk

Value: 1.50%

Peer Median: 0.70%

#268 of 300 Bottom 11.0% in 1B-3B tier

257

Average Member Relationship (AMR)

engagement

Value: $22,365

Peer Median: $28,089

#257 of 300 Bottom 14.7% in 1B-3B tier

254

Net Charge-Off Rate

risk

Value: 0.97%

Peer Median: 0.52%

#254 of 300 Bottom 15.7% in 1B-3B tier

243

Loan-to-Member Ratio (LMR)

engagement

Value: $10,222

Peer Median: $12,809

#243 of 300 Bottom 19.3% in 1B-3B tier