State credit union · Livonia, Michigan · NCUA charter #62426
Zeal
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $878.2M
- Total assets
- 64,934
- Members
- 20.8%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)67
- Earnings (ROA)100
- Member growth52
- Liquidity (loan-to-share)80
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
20.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.82% | 30% |
| Delinquency Rate | 1.45% | 25% |
| Return on Assets | 2.61% | 15% |
| Member Growth | -0.71% | 15% |
| Loan-to-Share Ratio | 96.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Zeal
The five-factor composite scores Zeal at 81/100 (Excellent), reflecting a net worth ratio of 20.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Livonia, Michigan, reports 64,934 members, $878.2M in total assets, and $657.7M in outstanding loans as of Q4 2025 under charter #62426 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Deposits deployed into lending sit at a 96.51% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.45% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 2.61% on net income of $22.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.71%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.82% 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 20.82% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.