Side-by-side · Q2 2026 data
Settlers Federal Credit Union vs Zeal Credit Union
Credit union
Settlers Federal Credit Union
Bruce Crossing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Settlers Federal Credit Union | Zeal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 74 (stronger) | 50 |
| Earnings | 100 | 100 |
| Funding & liquidity | 94 (stronger) | 76 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 92nd | 92nd |
| Total assets | $37.8M | $1.1B |
| Deposits / shares | $30.2M | $843.6M |
| Capital ratio | 19.67% | 19.82% (stronger) |
| Problem loans | 0.79% (stronger) | 1.50% |
| Net charge-offs | -0.63% (stronger) | 0.97% |
| Return on assets | 2.24% | 2.79% (stronger) |
| Loans ÷ deposits | 66.4% (stronger) | 84.2% |
| Uninsured deposits | 2.5% (stronger) | 6.3% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Settlers Federal Credit Union has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Settlers Federal Credit Union leads on 5 and Zeal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.