DENVER COMMUNITY CU D.B.A. ZING CU

Charter #68616 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

DENVER COMMUNITY CU D.B.A. ZING CU has 6 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.8% in tier
  • + Relationship Depth Leader: Top 5.3% in tier
  • + AMR Growth Rate: Top 1.7% in tier
  • + Total Members: Top 6.8% in tier
  • + Total Loans: Top 9.4% in tier
  • + Total Assets: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.4% in tier
  • - Institutional Decline: Bottom 5.6% in tier
  • - Indirect Auto Dependency: Bottom 11.8% in tier
  • - Stagnation Risk: Bottom 13.2% in tier
  • - Credit Quality Pressure: Bottom 16.8% in tier
  • - Liquidity Overhang: Bottom 26.4% in tier
  • - Efficiency Drag: Bottom 26.5% in tier
  • - ROA 0.51% below tier average
  • - Efficiency ratio 9.96% above tier (higher cost structure)
  • - Member decline: -18.6% YoY
  • - Member Growth Rate: Bottom 0.9% in tier
  • - Indirect Auto Concentration (%): Bottom 9.1% in tier
  • - Deposit Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 30,710
-18.6% YoY-1.0% QoQ
 +15.1K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Top 6.9% in tier
Assets $409.9M
-1.4% YoY+0.2% QoQ
 +$178.6M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Top 9.6% in tier
Loans $275.6M
-1.9% YoY-0.2% QoQ
 +$127.8M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Top 9.5% in tier
Deposits $350.6M
-2.0% YoY+0.0% QoQ
 +$150.3M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Top 10.2% in tier
ROA 0.3%
-73.0% YoY+87.1% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 16.9% in tier
NIM 3.4%
+19.7% YoY+1.9% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 87.2%
+11.3% YoY-0.6% QoQ
 +10.0% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 Top 16.4% in tier
Delinquency Rate 0.6%
+37.4% YoY+13.5% QoQ
 -0.3 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 42nd in tier
Loan To Share 78.6%
+0.1% YoY-0.2% QoQ
 +5.9% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 59th in tier
AMR $20,392
+20.5% YoY+1.0% QoQ
 $-4K $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 38th in tier
CD Concentration 23.2%
+2.1% YoY-2.9% QoQ
 -1.2% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 39.0%
+6.6% YoY+3.4% QoQ
 +25.0% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#23 of 1006 • Top 0.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 20.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#146 of 1006 • Top 5.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 20.48%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (7)

Membership Headwinds

decline
#7 of 550 • Bottom 0.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -18.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#45 of 256 • Bottom 5.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $409.85M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -18.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.91%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#190 of 525 • Bottom 11.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -1.36%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 39.00%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -18.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#218 of 550 • Bottom 13.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.27%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -18.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 23.17%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#416 of 736 • Bottom 16.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#409 of 552 • Bottom 26.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.07%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 78.61%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Efficiency Drag

risk
#469 of 521 • Bottom 26.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.24%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.74% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -18.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

19
AMR Growth Rate
growth
Value: 20.48%
Peer Avg: 3.64%
#19 of 1077 Top 1.7% in 100M-500M tier
74
Total Members
engagement
Value: 30,710
Peer Avg: 15,628
#74 of 1077 Top 6.8% in 100M-500M tier
102
Total Loans
balance_sheet
Value: $275.61M
Peer Avg: $147.80M
#102 of 1077 Top 9.4% in 100M-500M tier
103
Total Assets
balance_sheet
Value: $409.85M
Peer Avg: $231.30M
#103 of 1077 Top 9.5% in 100M-500M tier
110
Total Deposits
balance_sheet
Value: $350.62M
Peer Avg: $200.29M
#110 of 1077 Top 10.1% in 100M-500M tier
213
Fee Income Per Member
profitability
Value: $228.63
Peer Avg: $174.31
#213 of 1077 Top 19.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1068
Member Growth Rate
growth
Value: -18.62%
Peer Avg: 0.72%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
980
Indirect Auto Concentration (%)
balance_sheet
Value: 39.00%
Peer Avg: 13.34%
#980 of 1077 Bottom 9.1% in 100M-500M tier
976
Deposit Growth Rate
growth
Value: -2.00%
Peer Avg: 4.69%
#976 of 1077 Bottom 9.5% in 100M-500M tier
941
Asset Growth Rate
growth
Value: -1.36%
Peer Avg: 4.70%
#941 of 1077 Bottom 12.7% in 100M-500M tier
901
Efficiency Ratio
profitability
Value: 87.24%
Peer Avg: 77.28%
#901 of 1077 Bottom 16.4% in 100M-500M tier
895
Return on Assets (ROA)
profitability
Value: 0.27%
Peer Avg: 0.79%
#895 of 1077 Bottom 17.0% in 100M-500M tier