Side-by-side · Q2 2026 data
Zeal Credit Union vs Lafcu Credit Union
Metric by metric
| Measure | Zeal Credit Union | Lafcu Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 72 |
| Capital cushion | 100 | 100 |
| Loan quality | 50 | 59 (stronger) |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 76 | 78 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 92nd | 66th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $843.6M | $891.8M |
| Capital ratio | 19.82% | 20.67% (stronger) |
| Problem loans | 1.50% | 1.24% (stronger) |
| Net charge-offs | 0.97% (stronger) | 1.00% |
| Return on assets | 2.79% (stronger) | 0.31% |
| Loans ÷ deposits | 84.2% | 82.1% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 10.3% |
| Offices | 14 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 11.7% |
Zeal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Zeal Credit Union leads on 4 and Lafcu Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.