credit union · NCUA 62426 · MI
How big is ZEAL?
ZEAL (MI, NCUA charter 62426) reported total assets of $1.1B, 69,473 members and a net worth ratio of 19.82% in its Call Report for 2026Q2. That ranks 457 of 4,299 federally insured credit unions by assets, 432 of 454 among credit unions with $1b-$10b in assets, 26 of 169 credit unions in michigan.
What stands out
ZEAL (MI, NCUA charter 62426) reported total assets of $1.1B, 69,473 members and a net worth ratio of 19.82% in its Call Report for 2026Q2. That ranks 457 of 4,299 federally insured credit unions by assets, 432 of 454 among credit unions with $1b-$10b in assets, 26 of 169 credit unions in michigan. Against its size class: net worth ratio 19.82%, above the peer median of 10.89%; loan-to-share ratio 84.18%, below the peer median of 88.03%; return on assets 2.79%, above the peer median of 0.80%. At 19.82% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.1B | $2.1B | $186.5M | $68.3M | record → |
| Shares and deposits | $843.6M | $1.8B | $160.8M | $58.3M | record → |
| Loans outstanding | $710.2M | $1.5B | $115.9M | $34.4M | record → |
| Net income (year to date) | $14.8M | $8.3M | $792.8k | $222.2k | record → |
| Net worth | $210.1M | $244.6M | $22.8M | $9.0M | record → |
| Net worth ratio | 19.82% | 10.89% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 84.18% | 88.03% | 68.71% | 68.70% | computed |
| Return on assets | 2.79% | 0.80% | 0.92% | 0.71% | computed |
| Members | 69,473 | 115,183 | 13,435 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $1.1B | $843.6M | $710.2M | $14.8M | 19.82% | 69,473 | 457 |
| 2026Q1 | $1.1B | $846.0M | $714.9M | $7.2M | 19.20% | 72,792 | 458 |
| 2025Q4 | $878.2M | $681.5M | $657.7M | $21.9M | 22.23% | 64,934 | 520 |
| 2025Q3 | $864.1M | $671.1M | $661.2M | $15.7M | 21.93% | 65,510 | 518 |
| 2025Q2 | $877.5M | $690.2M | $662.0M | $11.7M | 21.09% | 66,143 | 512 |
| 2025Q1 | $871.8M | $691.3M | $652.5M | $6.8M | 20.55% | 65,318 | 510 |
| 2024Q4 | $825.4M | $638.9M | $654.2M | $22.9M | 20.76% | 65,397 | 521 |
| 2024Q3 | $839.3M | $639.5M | $663.2M | $16.8M | 19.76% | 65,931 | 515 |
| 2024Q2 | $823.7M | $668.6M | $651.4M | $11.6M | 19.49% | 66,348 | 521 |
| 2024Q1 | $830.8M | $684.2M | $632.3M | $5.7M | 18.62% | 66,812 | 520 |
| 2023Q4 | $811.9M | $666.0M | $623.5M | $23.6M | 18.35% | 66,884 | 521 |
| 2023Q3 | $810.9M | $678.1M | $595.4M | $16.1M | 17.53% | 66,548 | 516 |
| 2023Q2 | $832.0M | $699.8M | $570.4M | $11.8M | 16.56% | 66,719 | 505 |
| 2023Q1 | $848.3M | $721.8M | $538.2M | $5.0M | 15.45% | 67,580 | 498 |
| 2022Q4 | $831.2M | $711.4M | $544.3M | $13.5M | 15.20% | 67,613 | 507 |
| 2022Q3 | $841.4M | $724.9M | $499.8M | $8.5M | 14.42% | 67,041 | 497 |
| 2022Q2 | $855.8M | $733.8M | $469.5M | $5.0M | 13.76% | 66,564 | 482 |
| 2022Q1 | $872.3M | $735.9M | $447.7M | $2.1M | 12.60% | 67,236 | 471 |
| 2021Q4 | $848.7M | $710.1M | $438.9M | $10.3M | 12.70% | 67,230 | 475 |
| 2021Q3 | $827.5M | $692.3M | $424.6M | $6.9M | 12.61% | 67,183 | 477 |
| 2021Q2 | $827.2M | $692.2M | $407.6M | $4.2M | 12.29% | 66,835 | 471 |
| 2021Q1 | $816.2M | $685.5M | $391.3M | $1.5M | 12.13% | 67,117 | 473 |
| 2020Q4 | $749.8M | $616.1M | $388.8M | $3.4M | 13.00% | 66,417 | 488 |
| 2020Q3 | $723.0M | $592.1M | $383.6M | $1.4M | 13.20% | 66,301 | 488 |
| 2020Q2 | $717.9M | $588.0M | $369.1M | $695.9k | 13.20% | 65,839 | 482 |
| 2020Q1 | $641.5M | $514.6M | $370.3M | $333.4k | 14.72% | 66,309 | 495 |
| 2019Q4 | $613.9M | $488.8M | $374.4M | $3.1M | 15.33% | 66,185 | 504 |
| 2019Q3 | $597.1M | $480.4M | $372.1M | $3.2M | 15.78% | 66,042 | 509 |
| 2019Q2 | $603.4M | $500.5M | $363.6M | $2.1M | 15.44% | 65,618 | 498 |
| 2019Q1 | $606.7M | $504.7M | $359.8M | $1.2M | 15.20% | 65,901 | 496 |
| 2018Q4 | $600.6M | $481.9M | $367.1M | $4.9M | 15.16% | 65,446 | 482 |
| 2018Q3 | $592.5M | $487.8M | $354.7M | $4.1M | 15.24% | 64,822 | 482 |
| 2018Q2 | $603.7M | $506.3M | $337.9M | $2.9M | 14.75% | 63,927 | 476 |
| 2018Q1 | $603.8M | $505.4M | $307.1M | $1.4M | 14.50% | 63,277 | 472 |
| 2017Q4 | $578.3M | $476.9M | $302.5M | $2.4M | 15.00% | 62,517 | 479 |
| 2017Q3 | $577.2M | $475.2M | $294.1M | $2.9M | 15.11% | 62,136 | 475 |
| 2017Q2 | $586.7M | $482.2M | $288.5M | $2.2M | 14.76% | 61,363 | 465 |
| 2017Q1 | $582.2M | $480.1M | $287.2M | $1.1M | 14.67% | 61,491 | 469 |
| 2016Q4 | $555.3M | $456.4M | $289.0M | $9.3M | 15.19% | 60,940 | 472 |
| 2016Q3 | $556.5M | $454.8M | $283.4M | $5.2M | 14.43% | 60,652 | 470 |
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