Side-by-side · Q2 2026 data
Zeal Credit Union vs Orsa Credit Union
Metric by metric
| Measure | Zeal Credit Union | Orsa Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 47 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 50 (stronger) | 49 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 76 (stronger) | 62 |
| Problem-loan coverage | 89 (stronger) | 72 |
| Peer percentile | 92nd | 4th |
| Total assets | $1.1B | $1.5B |
| Deposits / shares | $843.6M | $1.3B |
| Capital ratio | 19.82% (stronger) | 9.81% |
| Problem loans | 1.50% (stronger) | 1.52% |
| Net charge-offs | 0.97% | 0.62% (stronger) |
| Return on assets | 2.79% (stronger) | 0.04% |
| Loans ÷ deposits | 84.2% (stronger) | 98.6% |
| Uninsured deposits | 6.3% (stronger) | 9.9% |
| Offices | 14 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | — |
Zeal Credit Union has the higher TellerScore (83 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Zeal Credit Union leads on 6 and Orsa Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.