BlastPoint's Credit Union Scorecard

DENVER COMMUNITY CU D.B.A. ZING CU

Charter #68616 · CO

1069 CUs in 100M-500M nationally 26 in CO

DENVER COMMUNITY CU D.B.A. ZING CU has 5 strengths but faces 11 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 2.7% in tier
+ AMR Growth Rate: Top 1.0% in tier
+ Total Members: Top 6.7% in tier
+ Total Assets: Top 8.2% in tier
+ Total Deposits: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.3% in tier
- Stagnation Risk: Bottom 20.4% in tier
- Indirect Auto Dependency: Bottom 29.9% in tier
- Credit Quality Pressure: Bottom 65.9% in tier
- Efficiency Drag: Bottom 91.4% in tier
- Credit Risk Growth: Bottom 92.8% in tier
- ROA 0.37% below tier average
- Efficiency ratio 8.27% above tier (higher cost structure)
- Member decline: -18.4% YoY
- Member Growth Rate: Bottom 0.7% in tier
- Indirect Auto Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	30,116 -18.4% YoY-1.9% QoQ	+14.7K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	Top 6.8% in tier
Assets	$418.2M +1.4% YoY+2.0% QoQ	+$186.3M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	Top 8.3% in tier
Loans	$270.0M +0.6% YoY-2.0% QoQ	+$122.7M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	Top 10.2% in tier
Deposits	$358.3M +0.9% YoY+2.2% QoQ	+$157.5M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	Top 9.1% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -54.3% YoY+41.8% QoQ	-0.4%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	24%
NIM	3.4% +14.7% YoY-0.6% QoQ	-0.2%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	36%
Efficiency Ratio	85.3% +5.9% YoY-2.2% QoQ	+8.3%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.6% +25.1% YoY+10.0% QoQ	-0.3	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	42%
Loan To Share	75.4% -0.3% YoY-4.1% QoQ	+3.1%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	53%
AMR	$20,863 +23.6% YoY+2.3% QoQ	$-4K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	40%
CD Concentration	23.1% +2.2% YoY-0.2% QoQ	-1.3%	24.4%	26.2%	19.8%	50%
Indirect Auto %	38.7% +10.7% YoY-0.8% QoQ	+24.9%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#15 of 513 • Top 2.7% in tier

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

Why This Signature

AMR Growth (YoY): 23.55%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#8 of 554 • Bottom 1.3% in tier

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

Why This Signature

Member Growth (YoY): -18.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#114 of 554 • Bottom 20.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -18.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.62%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.61%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#152 of 506 • Bottom 29.9% in tier

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

Why This Signature

Asset Growth (YoY): 1.39%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 38.68%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -18.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#465 of 705 • Bottom 65.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#492 of 538 • Bottom 91.4% in tier

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

Why This Signature

Efficiency Ratio: 85.28%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.46% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -18.42%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#423 of 456 • Bottom 92.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.62%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 23.55%

Peer Median: -

#12 of 1069 Top 1.0% in 100M-500M tier

Total Members

engagement

Value: 30,116

Peer Median: -

#73 of 1069 Top 6.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $418.18M

Peer Median: -

#89 of 1069 Top 8.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $358.28M

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

109

Total Loans

balance_sheet

Value: $270.04M

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

203

Fee Income Per Member

profitability

Value: $231.26

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1063

Member Growth Rate

growth

Value: -18.42%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

975

Indirect Auto Concentration (%)

balance_sheet

Value: 38.68%

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

844

Efficiency Ratio

profitability

Value: 85.28%

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier

830

Deposit Growth Rate

growth

Value: 0.92%

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

827

Asset Growth Rate

growth

Value: 1.39%

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier

812

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier