BlastPoint's Credit Union Scorecard
ZEAL
Charter #62426 · MI
ZEAL has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 3.5% 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
- - Credit Quality Pressure: Bottom 24.5% in tier
- - Membership Headwinds: Bottom 32.0% in tier
- - Liquidity Overhang: Bottom 58.6% 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
|
82% |
| 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
|
53% |
| 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
|
62% |
| 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 |
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| 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
|
77% |
| 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
|
15% |
| 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%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
53% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)