Side-by-side · Q2 2026 data
Zeal Credit Union vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Zeal Credit Union | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 50 | 86 (stronger) |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 76 (stronger) | 75 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 92nd | 96th |
| Total assets | $1.1B | $1.0B |
| Deposits / shares | $843.6M | $846.8M |
| Capital ratio | 19.82% (stronger) | 16.71% |
| Problem loans | 1.50% | 0.41% (stronger) |
| Net charge-offs | 0.97% | 0.55% (stronger) |
| Return on assets | 2.79% (stronger) | 1.44% |
| Loans ÷ deposits | 84.2% (stronger) | 85.1% |
| Uninsured deposits | 6.3% (stronger) | 11.5% |
| Offices | 14 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Zeal Credit Union leads on 4 and Kellogg Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.