A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, ZEAL scored 6 out of a possible 30, lower than the national average of 10.11.
ZEAL had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's beating its peers in this area.