DENVER COMMUNITY CU D.B.A. ZING CU
Charter #68616 · Denver, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,006 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.29% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.30% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 86.49% sits at the 85th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DENVER COMMUNITY CU D.B.A. ZING CU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $416.66M | 91th pct | 85th pct |
| Members | 30,006 | 94th pct | 79th pct |
| Net worth ratio | 13.02% | 69th pct | 67th pct |
| Return on average assets | 0.29% | 22th pct | 20th pct |
| Net interest margin | 3.30% | 29th pct | 11th pct |
| Cost of funds | 0.06% | 5th pct | 15th pct |
| Loan-to-share | 76.70% | 60th pct | 48th pct |
| Delinquency 60+ days | 0.39% | 30th pct | 28th pct |
| Net charge-off ratio | 0.40% | 54th pct | 34th pct |
| Loan growth YoY | -0.80% | 38th pct | 30th pct |
| Share growth YoY | 1.67% | 23th pct | 30th pct |
| Efficiency ratio | 86.49% | 76th pct | 85th pct |
structural peer set hash: f5f443bf072a9b9bbaa202db2f0fd6dd… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.