Side-by-side · Q2 2026 data
Zeal Credit Union vs Michigan Legacy Credit Union
Metric by metric
| Measure | Zeal Credit Union | Michigan Legacy Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 50 | 85 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 76 | 93 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 92nd | 66th |
| Total assets | $1.1B | $226.8M |
| Deposits / shares | $843.6M | $198.5M |
| Capital ratio | 19.82% (stronger) | 12.45% |
| Problem loans | 1.50% | 0.46% (stronger) |
| Net charge-offs | 0.97% | 0.68% (stronger) |
| Return on assets | 2.79% (stronger) | 0.52% |
| Loans ÷ deposits | 84.2% | 67.6% (stronger) |
| Uninsured deposits | 6.3% | 4.4% (stronger) |
| Offices | 14 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 23.4% |
Zeal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Zeal Credit Union leads on 3 and Michigan Legacy Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.