Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
88th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 1, 2026
Call-report figures are for Zeal Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Zeal Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (88th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $2.0M in Q2 2026, 1.4% below the same quarter a year earlier ($2.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for Zeal Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.0M | +$15K | +0.7% |
| Q1 2026 | $2.0M | −$129K | −6.0% |
| Q4 2025 | $2.1M | +$209K | +10.9% |
| Q3 2025 | $1.9M | −$123K | −6.0% |
| Q2 2025 | $2.0M | +$51K | +2.6% |
| Q1 2025 | $2.0M | −$61K | −3.0% |
| Q4 2024 | $2.1M | −$21K | −1.0% |
| Q3 2024 | $2.1M | +$151K | +7.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Zeal Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Zeal Federal Credit Union by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Digital & ElectronicUnder review | |||
| Online Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
Lending FeesUnder review | |||
| Quick & Easy Loan application fee (audience not stated, treated as personal) | $15 | one time | None |
Other FeesUnder review | |||
| Quick & Easy Loan application fee (audience not stated, treated as personal) | $15 | one time | None |
Other feesUnder review | |||
| Dividend Checking Monthly Service Fee (audience not stated, treated as personal) | $6 | per month | None |
| e-Statements (audience not stated, treated as personal) | No charge | Not stated | None |
| Free Checking Monthly Service Fee (audience not stated, treated as personal) | No charge | per month | None |
| Money Market (audience not stated, treated as personal) | $100,000 | per month | None |
| Money Market (audience not stated, treated as personal) | $50,000 | per month | None |
| Money Market (audience not stated, treated as personal) | $25,000 | per month | None |
| Money Market (audience not stated, treated as personal) | $5,000 | per month | None |
| Online Banking (audience not stated, treated as personal) | No charge | Not stated | None |
| Online Check Imaging (audience not stated, treated as personal) | No charge | Not stated | None |
| Quick & Easy Loan application fee (audience not stated, treated as personal) | $15 | one time | None |
| Quick & Easy Loan by Zeal Credit Union is an alternative option to mainstream payday loans and has an application fee of (audience not stated, treated as personal) | $15 | Not stated | None |
| Term (audience not stated, treated as personal) | $1,000 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Zeal Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
18 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Allen Park, MI | 2 |
| Livonia, MI | 2 |
| Southfield, MI | 2 |
| Bergland, MI | 1 |
| Bessemer, MI | 1 |
| Dearborn, MI | 1 |
| Detroit, MI | 1 |
| Ewen, MI | 1 |
Largest competitors nearby
Local market: Wayne county, MI, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 48.6% |
| Fifth Third Bank, National Association | 30.8% |
| The Huntington National Bank | 5.3% |
| Bank of America, National Association | 5% |
| PNC Bank, National Association | 3.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows