Side-by-side · Q2 2026 data
Oxford Bank vs Zeal Credit Union
Metric by metric
| Measure | Oxford Bank | Zeal Credit Union |
|---|---|---|
| TellerScore | 53 | 83 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 25 | 50 (stronger) |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 55 | 76 (stronger) |
| Problem-loan coverage | 63 | 89 (stronger) |
| Peer percentile | 9th | 92nd |
| Total assets | $930.5M | $1.1B |
| Deposits / shares | $782.6M | $843.6M |
| Capital ratio | 11.93% | 19.82% (stronger) |
| Problem loans | 2.26% | 1.50% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.97% |
| Return on assets | 0.92% | 2.79% (stronger) |
| Loans ÷ deposits | 91.1% | 84.2% (stronger) |
| Uninsured deposits | 27.7% | 6.3% (stronger) |
| 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 53). On the 7 directional measures above (where higher or lower is clearly better), Oxford Bank leads on 1 and Zeal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.