Side-by-side · Q2 2026 data
Michigan United Credit Union vs Zeal Credit Union
Metric by metric
| Measure | Michigan United Credit Union | Zeal Credit Union |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 97 (stronger) | 50 |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 68th | 92nd |
| Total assets | $349.3M | $1.1B |
| Deposits / shares | $305.0M | $843.6M |
| Capital ratio | 11.98% | 19.82% (stronger) |
| Problem loans | 0.10% (stronger) | 1.50% |
| Net charge-offs | 0.45% (stronger) | 0.97% |
| Return on assets | 0.51% | 2.79% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 84.2% |
| Uninsured deposits | 3.9% (stronger) | 6.3% |
| Offices | 7 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 18.7% |
Zeal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Michigan United 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.