Side-by-side · Q2 2026 data
Bank of Ann Arbor vs Zeal Credit Union
Metric by metric
| Measure | Bank of Ann Arbor | Zeal Credit Union |
|---|---|---|
| TellerScore | 82 | 83 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 91 (stronger) | 50 |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 36 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 93rd | 92nd |
| Total assets | $3.5B | $1.1B |
| Deposits / shares | $2.8B | $843.6M |
| Capital ratio | 13.17% | 19.82% (stronger) |
| Problem loans | 0.27% (stronger) | 1.50% |
| Net charge-offs | 0.07% (stronger) | 0.97% |
| Return on assets | 1.98% | 2.79% (stronger) |
| Loans ÷ deposits | 92.6% | 84.2% (stronger) |
| Uninsured deposits | 44.0% | 6.3% (stronger) |
| Offices | 17 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 18.7% |
Zeal Credit Union has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Bank of Ann Arbor leads on 2 and Zeal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.