Side-by-side · Q2 2026 data
Michigan Educational Credit Union vs Zeal Credit Union
Metric by metric
| Measure | Michigan Educational Credit Union | Zeal Credit Union |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 90 (stronger) | 50 |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 75th | 92nd |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $987.0M | $843.6M |
| Capital ratio | 11.70% | 19.82% (stronger) |
| Problem loans | 0.29% (stronger) | 1.50% |
| Net charge-offs | 0.16% (stronger) | 0.97% |
| Return on assets | 0.49% | 2.79% (stronger) |
| Loans ÷ deposits | 48.9% (stronger) | 84.2% |
| Uninsured deposits | 4.8% (stronger) | 6.3% |
| Offices | 7 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Zeal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Michigan Educational Credit Union leads on 4 and Zeal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.