BlastPoint's Credit Union Scorecard
ZEAL
Charter #62426 · MI
ZEAL has 8 strengths but faces 8 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.3% in tier
- + Organic Growth Engine: Top 6.1% in tier
- + Organic Growth Leader: Top 6.1% in tier
- + ROA 2.00% above tier average
- + Net Interest Margin 1.14% above tier average
- + Strong member growth: 11.4% YoY
- + Efficiency Ratio: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.3% in tier
- - Liquidity Overhang: Bottom 2.1% in tier
- - Credit Quality Pressure: Bottom 12.4% in tier
- - Credit Risk Growth: Bottom 26.3% in tier
- - Delinquency rate 0.70% above tier average
- - Total Deposits: Bottom 1.6% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,792
+11.4% YoY+12.1% QoQ
|
-23.3K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$1.1B
+20.9% YoY+20.0% QoQ
|
$-665.6M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.2% in tier |
| Loans |
$714.9M
+9.6% YoY+8.7% QoQ
|
$-498.8M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.2% in tier |
| Deposits |
$846.0M
+22.4% YoY+24.1% QoQ
|
$-619.6M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.3% in tier |
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| ROA |
2.7%
-15.2% YoY+8.0% QoQ
|
+2.0% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 0.3% in tier |
| NIM |
4.5%
-6.9% YoY-7.4% QoQ
|
+1.1% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
49.9%
+4.1% YoY-3.2% QoQ
|
-24.7% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
1.5%
+24.3% YoY+0.6% QoQ
|
+0.7 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.5% in tier |
| Loan To Share |
84.5%
-10.5% YoY-12.4% QoQ
|
+1.3% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$21,443
+4.2% YoY+4.0% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
7.3%
+81.2% YoY+91.3% QoQ
|
-21.5% | 28.8% | 18.6% | 19.8% | Bottom 1.6% in tier |
| Indirect Auto % |
8.0%
-19.3% YoY-12.1% QoQ
|
-10.1% | 18.1% | 11.7% | 7.7% | 33% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)