| Metric | Zeal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +5.1% | +15.8 pts |
| Share growth (YoY) | +22.4% | +4.9% | +17.5 pts |
| Loan growth (YoY) | +9.6% | +5.4% | +4.1 pts |
| ROA | 2.72% | 0.71% | +2.0 pts |
| ROE | 14.2% | 6.3% | +7.9 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.05B | $846.0M | $714.9M | $202.4M | $7.2M | 2.72% | 4.50% | 1.46% | 72,792 |
| Q4 2025 | $878.2M | $681.5M | $657.7M | $195.3M | $21.9M | 2.50% | 4.82% | 1.45% | 64,934 |
| Q3 2025 | $864.1M | $671.1M | $661.2M | $189.6M | $15.7M | 2.42% | 4.86% | 1.17% | 65,510 |
| Q2 2025 | $877.5M | $690.2M | $662.0M | $185.2M | $11.7M | 2.68% | 4.76% | 1.11% | 66,143 |
| Q1 2025 | $871.8M | $691.3M | $652.5M | $179.3M | $6.8M | 3.12% | 4.70% | 1.17% | 65,318 |
| Q4 2024 | $825.4M | $638.9M | $654.2M | $171.5M | $22.9M | 2.78% | 4.83% | 1.17% | 65,397 |
| Q3 2024 | $839.3M | $639.5M | $663.2M | $166.1M | $16.8M | 2.67% | 4.75% | 1.12% | 65,931 |
| Q2 2024 | $823.7M | $668.6M | $651.4M | $160.8M | $11.6M | 2.81% |
| Ratio | Zeal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 0.71% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 6.3% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 4.83% |
| 1.06% |
| 66,348 |
Loan mix (Q1 2026): real estate $383.7M · commercial $102.4M · consumer $189.6M · securities $147.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 73.0% | 2th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Zeal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Zeal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Zeal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Zeal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.