Side-by-side · Q2 2026 data
Zeal Credit Union vs The Local Credit Union
Metric by metric
| Measure | Zeal Credit Union | The Local Credit Union |
|---|---|---|
| TellerScore | 83 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 50 | 91 (stronger) |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 92nd | 97th |
| Total assets | $1.1B | $106.6M |
| Deposits / shares | $843.6M | $89.9M |
| Capital ratio | 19.82% (stronger) | 16.07% |
| Problem loans | 1.50% | 0.26% (stronger) |
| Net charge-offs | 0.97% | 0.42% (stronger) |
| Return on assets | 2.79% (stronger) | 1.35% |
| Loans ÷ deposits | 84.2% | 46.7% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 7.5% |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | — |
The Local Credit Union has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Zeal Credit Union leads on 3 and The Local Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.