Side-by-side · Q2 2026 data
Zeal Credit Union vs Christian Financial Credit Union
Credit union
Christian Financial Credit Union
Sterling Height, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Zeal Credit Union | Christian Financial Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 50 | 85 (stronger) |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 76 | 77 (stronger) |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 92nd | 44th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $843.6M | $984.0M |
| Capital ratio | 19.82% (stronger) | 9.93% |
| Problem loans | 1.50% | 0.46% (stronger) |
| Net charge-offs | 0.97% | 0.14% (stronger) |
| Return on assets | 2.79% (stronger) | 0.70% |
| Loans ÷ deposits | 84.2% | 83.0% (stronger) |
| Uninsured deposits | 6.3% | 4.0% (stronger) |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 36.7% |
Zeal Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Zeal Credit Union leads on 3 and Christian Financial Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.