Headquartered in Livonia, Michigan, Zeal Credit Union is a federally insured state-chartered credit union with $1.1B in total assets and $843.6M in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1954.
Based on its Q2 2026 filing, Zeal Credit Union scores 83/100, which we describe as strong. That is higher than 92% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 31st. Its strongest component is capital cushion (100/100; 19.82%), and its lowest is loan quality (50/100; 1.50%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 83).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 83 |
| Q4 2024 | 83 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 82 |
| Q1 2026 | 83 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.49% |
| Q3 2024 | 19.76% |
| Q4 2024 | 20.76% |
| Q1 2025 | 20.55% |
| Q2 2025 | 21.09% |
| Q3 2025 | 21.93% |
| Q4 2025 | 22.23% |
| Q1 2026 | 19.20% |
| Q2 2026 | 19.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.45% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.50% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.81% |
| Q3 2024 | 2.67% |
| Q4 2024 | 2.78% |
| Q1 2025 | 3.12% |
| Q2 2025 | 2.68% |
| Q3 2025 | 2.42% |
| Q4 2025 | 2.50% |
| Q1 2026 | 2.72% |
| Q2 2026 | 2.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $1.1B | 19.82% | 1.50% | 2.79% | 84.2% |
| Q1 2026 | 83 | $1.1B | 19.20% | 1.46% | 2.72% | 84.5% |
| Q4 2025 | 82 | $878.2M | 22.23% | 1.45% | 2.50% | 96.5% |
| Q3 2025 | 84 | $864.1M | 21.93% | 1.17% | 2.42% | 98.5% |
| Q2 2025 | 84 | $877.5M | 21.09% | 1.11% | 2.68% | 95.9% |
| Q1 2025 | 84 | $871.8M | 20.55% | 1.17% | 3.12% | 94.4% |
| Q4 2024 | 83 | $825.4M | 20.76% | 1.17% | 2.78% | 102.4% |
| Q3 2024 | 83 | $839.3M | 19.76% | 1.12% | 2.67% | 103.7% |
| Q2 2024 | 85 | $823.7M | 19.49% | 1.06% | 2.81% | 97.4% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 4front Credit UnionCredit union Traverse City, MI | 54 out of 100, Below average | $1.0B | 10.2% | 1.73% | vs |
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
| Michigan Educational Credit UnionCredit union Plymouth, MI | 75 out of 100, Strong | $1.1B | 11.7% | 0.29% | vs |
| Christian Financial Credit UnionCredit union Sterling Height, MI | 66 out of 100, Moderate | $1.1B | 9.9% | 0.46% | vs |
| Lafcu Credit UnionCredit union Lansing, MI | 72 out of 100, Strong | $1.1B | 20.7% | 1.24% | vs |
| Wildfire Credit UnionCredit union Saginaw, MI | 70 out of 100, Strong | $1.2B | 10.9% | 0.60% | vs |
Deposit insurance
Is my money safe at Zeal Credit Union?
Yes. Zeal Credit Union is a federally insured credit union (NCUA charter #62426). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.3% of shares and deposits ($53.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 19.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
14 locations
Branches
Zeal Credit Union lists 14 offices in 12 cities. Most locations:
- Allen Park, MI (2)
- Livonia, MI (2)
- Bergland, MI (1)
- Dearborn, MI (1)
- Detroit, MI (1)
- Ewen, MI (1)
- New Hudson, MI (1)
- Southfield, MI (1)
- Southgate, MI (1)
- Taylor, MI (1)
- Walled Lake, MI (1)
- Woodhaven, MI (1)
HMDA 2025
Mortgage lending
In 2025, Zeal Credit Union reported 297 home-loan applications under HMDA (LEI 549300DXF2FQC64H6G42): 228 originated ($13,830,000 total), 53 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Zeal Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62426
- RSSD ID
- 671996
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 17250 Newburgh Road, Livonia, MI 48152
- Employees
- 175
Quick answers
Zeal Credit Union: common questions
Is Zeal Credit Union NCUA insured?
Yes. Zeal Credit Union is a federally insured credit union (NCUA charter #62426). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Zeal Credit Union's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Zeal Credit Union have?
14 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Livonia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |