BlastPoint's Credit Union Scorecard

DENVER COMMUNITY CU D.B.A. ZING CU

Charter #68616 · CO

1077 CUs in 100M-500M nationally 26 in CO

DENVER COMMUNITY CU D.B.A. ZING CU has 5 strengths but faces 12 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 4.6% 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
- 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

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	17%
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	38%
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	84%
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	42%
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	59%
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	38%
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	50%
Indirect Auto %	39.0% +6.6% YoY+3.4% QoQ	+25.0%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#23 of 481 • Top 4.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 20.48%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

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: $331.87M, 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: 3.65%, 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: 13.97%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -18.62%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.91%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.55%

(Tier: 0.85%, National: 1.23%)

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

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 20.48%

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Total Members

engagement

Value: 30,710

Peer Avg: -

#74 of 1077 Top 6.8% in 100M-500M tier

102

Total Loans

balance_sheet

Value: $275.61M

Peer Avg: -

#102 of 1077 Top 9.4% in 100M-500M tier

103

Total Assets

balance_sheet

Value: $409.85M

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

110

Total Deposits

balance_sheet

Value: $350.62M

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

213

Fee Income Per Member

profitability

Value: $228.63

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1068

Member Growth Rate

growth

Value: -18.62%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

980

Indirect Auto Concentration (%)

balance_sheet

Value: 39.00%

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

976

Deposit Growth Rate

growth

Value: -2.00%

Peer Avg: -

#976 of 1077 Bottom 9.5% in 100M-500M tier

941

Asset Growth Rate

growth

Value: -1.36%

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

901

Efficiency Ratio

profitability

Value: 87.24%

Peer Avg: -

#901 of 1077 Bottom 16.4% in 100M-500M tier

895

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Avg: -

#895 of 1077 Bottom 17.0% in 100M-500M tier