State credit union · Livonia, Michigan · NCUA charter #62426
ZEAL
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $878.2M
- Total assets
- 64,934
- Members
- 19.2%
- Net-worth ratio
ZEAL scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $878.2M; members 64,934; net-worth ratio 19.20%; health rank #2,532 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,532 of 4,374 health · 2025Q4ZEAL · health 81/100 · $878.2M · 2025Q4
Call Report peers
ZEAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ZEAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ZEAL sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ZEAL vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 96.51% here, 83.90% peer average (+12.61 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.57 pp (1.45% vs 0.87%).
Michigan standing for ZEAL
- Health composite ranks #128 of 171 among scored Michigan credit unions.
- Michigan assets place: #33 of 171.
- Member book place in Michigan: #27 of 171.
- One place up in Michigan, GRACO (#127) scores 82/100, 1 point higher; one place down, Michigan First (#129) ties at 81/100.
ZEAL Call Report trajectory
ZEAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +20.0% from $878.2M (2025Q4) to $1.05B (2026Q1).
- Net-worth ratio shifted -3.03 pp (22.23% → 19.20%).
19.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
ZEAL gives up 19 points in total. Delinquency Rate costs the most, 8.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for ZEAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.20% | +8.02 pp |
| Delinquency Rate | 1.45% | +0.57 pp |
| Return on Assets | 2.61% | +2.10 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 96.51% | +12.61 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ZEAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.05B | - |
| 2025Q4 | $878.2M | 64,934 |
| 2024Q4 | $825.4M | 65,397 |
| 2023Q4 | $811.9M | 66,884 |
Credit Union Details
- Charter Number
- 62426
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Livonia
- Data Quarter
- 2025Q4
Branch Locations (18)
ZEAL operates 18 offices across 15 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Zeal Credit Union (Main Office) | Livonia, MI |
| Zeal Credit Union | Allen Park, MI |
| Zeal Credit Union | Allen Park, MI |
| Zeal Credit Union | Bergland, MI |
| Zeal Credit Union | Bessemer, MI |
| Zeal Credit Union | Dearborn, MI |
| Zeal Credit Union | Detroit, MI |
| Zeal Credit Union | Ewen, MI |
| Zeal Credit Union | Ironwood, MI |
| Zeal Credit Union | Livonia, MI |
| Zeal Credit Union | New Hudson, MI |
| Zeal Credit Union | Southfield, MI |
| Zeal Credit Union | Southfield, MI |
| Zeal Credit Union | Southgate, MI |
| Zeal Credit Union | Taylor, MI |
| Zeal Credit Union | Walled Lake, MI |
| Zeal Credit Union | Westland, MI |
| Zeal Credit Union | Woodhaven, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near ZEAL
Using this data
- ZEAL ranks #2,532 of 4,374 nationally on financial health and #128 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members First
Frequently Asked Questions
Is ZEAL financially healthy?
ZEAL has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,532 of 4,374 nationally on health and #128 of 171 in Michigan. Its net worth ratio is 19.20% and its delinquency rate 1.45%.
How does ZEAL compare to other credit unions?
ZEAL scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.51% vs 83.90%). Its widest shortfall is delinquency rate (1.45% vs 0.87%).
How can I join ZEAL?
Membership eligibility for ZEAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ZEAL directly for current membership requirements and application steps.
Is my money safe at ZEAL?
ZEAL is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ZEAL's net worth ratio of 19.20% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.