Side-by-side · Q2 2026 data
Chief Financial Federal Credit Union vs Zeal Credit Union
Credit union
Chief Financial Federal Credit Union
Rochester Hills, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Chief Financial Federal Credit Union | Zeal Credit Union |
|---|---|---|
| TellerScore | 65 | 83 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 81 (stronger) | 50 |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 77 (stronger) | 76 |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 34th | 92nd |
| Total assets | $249.7M | $1.1B |
| Deposits / shares | $223.1M | $843.6M |
| Capital ratio | 9.89% | 19.82% (stronger) |
| Problem loans | 0.57% (stronger) | 1.50% |
| Net charge-offs | 0.42% (stronger) | 0.97% |
| Return on assets | 0.64% | 2.79% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 84.2% |
| Uninsured deposits | 9.8% | 6.3% (stronger) |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Zeal Credit Union has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Chief Financial Federal Credit Union leads on 3 and Zeal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.