Side-by-side · Q2 2026 data
University Bank vs Zeal Credit Union
Metric by metric
| Measure | University Bank | Zeal Credit Union |
|---|---|---|
| TellerScore | 60 | 83 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 86 (stronger) | 50 |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 8 | 76 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 21st | 92nd |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.1B | $843.6M |
| Capital ratio | 10.08% | 19.82% (stronger) |
| Problem loans | 0.41% (stronger) | 1.50% |
| Net charge-offs | -0.00% (stronger) | 0.97% |
| Return on assets | 1.08% | 2.79% (stronger) |
| Loans ÷ deposits | 102.7% | 84.2% (stronger) |
| Uninsured deposits | 70.2% | 6.3% (stronger) |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 18.7% |
Zeal Credit Union has the higher TellerScore (83 vs 60). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 2 and Zeal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.