ZEAL
Charter #62426 · Livonia, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.20% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.97% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.91% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.46% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ZEAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.05B | 3th pct | 49th pct |
| Members | 72,792 | 21th pct | 56th pct |
| Net worth ratio | 19.20% | 98th pct | 98th pct |
| Return on average assets | 2.97% | 100th pct | 95th pct |
| Net interest margin | 4.91% | 99th pct | 92th pct |
| Cost of funds | 0.17% | 5th pct | 11th pct |
| Loan-to-share | 84.51% | 44th pct | 57th pct |
| Delinquency 60+ days | 1.46% | 93th pct | 92th pct |
| Net charge-off ratio | 0.80% | 75th pct | 72th pct |
| Loan growth YoY | 8.12% | 93th pct | 64th pct |
| Share growth YoY | 26.06% | 98th pct | 93th pct |
| Efficiency ratio | 49.94% | 2th pct | 3th pct |
structural peer set hash: 5103f4e2cf06f5a12936ef5eb204875a… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.