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
- CAMELS 81/100
- HEALTH 19.2%
- NW 1.45%
- DELQ 2.61%
- ROA $878.2M
- ASSETS 64,934
- MEM #2,532/4,374
- RANK Cedar Point
- PHOTO 62426
Call Report peers
ZEAL in the assets neighbourhood
ZEAL's $878.2M assets sit next to Cedar Point ($875.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ZEAL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62426, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ZEAL Call Report trajectory
ZEAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +20.0% from $878.2M (2025Q4) to $1.05B (2026Q1).
- Net-worth ratio shifted -3.03 pp (22.23% → 19.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
ZEAL's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($878.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ZEAL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ZEAL carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,532 of 4,374; by total assets it ranks #520 of 4,374 nationally (same basis as /rankings/largest); and #33 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.20% net worth ratio and a 1.45% delinquency rate.
How does ZEAL compare to other credit unions?
ZEAL scores 81/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ZEAL are 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."
What rates does ZEAL offer compared to banks?
Credit unions like ZEAL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ZEAL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.