Side-by-side · Q2 2026 data
United Churches Credit Union vs Zeal Credit Union
Metric by metric
| Measure | United Churches Credit Union | Zeal Credit Union |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 64 (stronger) | 50 |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 95 (stronger) | 89 |
| Peer percentile | 34th | 92nd |
| Total assets | $21.9M | $1.1B |
| Deposits / shares | $19.5M | $843.6M |
| Capital ratio | 10.28% | 19.82% (stronger) |
| Problem loans | 1.08% (stronger) | 1.50% |
| Net charge-offs | 0.25% (stronger) | 0.97% |
| Return on assets | 0.86% | 2.79% (stronger) |
| Loans ÷ deposits | 25.4% (stronger) | 84.2% |
| Uninsured deposits | 6.1% (stronger) | 6.3% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Zeal Credit Union has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), United Churches Credit Union leads on 4 and Zeal Credit Union on 3. 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.