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Denver Community CU D.B.A. Zing CU

Denver, CO · Charter 68616

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Denver Community CU D.B.A. Zing CU

Denver, CO · Charter 68616

NCUA · 5 branches

Q2 2026

$405.6MAssets
$274.8MLoans
$345.1MShares
$54.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, up 16 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.48% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.45%, up 48 bps from a year ago.
  • Funding: loans stand at 79.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.31%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+8 bps YoY

Efficiency Ratio (YTD, annualized)

87.80%+2 bps YoY

Net Worth / Assets

13.45%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.85%0.36%0.15%0.27%0.38%0.29%0.31%+16 bps
Return on Equity7.98%6.65%2.82%1.13%2.09%2.97%2.25%2.32%+119 bps
Net Interest Margin2.86%2.96%3.28%3.37%3.40%3.35%3.31%3.45%+8 bps
Efficiency Ratio78.36%80.50%84.90%87.78%87.24%85.28%86.49%87.80%+2 bps
Growth
Asset Growth (YoY)-1.13%-1.12%-1.19%-2.71%-1.36%1.39%0.27%-0.88%+183 bps
Loan Growth (YoY)2.27%-0.49%-4.16%-5.39%-1.91%0.62%1.84%-0.48%+491 bps
Share Growth (YoY)-3.24%-2.33%-2.33%-3.63%-2.00%0.92%-0.47%-1.57%+206 bps
Asset Quality
Delinquent Loans / Loans0.40%0.49%0.40%0.49%0.55%0.61%0.39%0.48%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.73%12.80%12.79%12.97%13.08%12.90%13.02%13.45%+48 bps
Net Worth / Assets12.73%12.80%12.79%12.97%13.08%12.90%13.02%13.45%+48 bps
Liquidity & Funding
Loans / Shares78.54%75.60%74.96%78.74%78.61%75.37%76.70%79.62%+88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Denver Community CU D.B.A. Zing CU

Denver, CO · Charter 68616 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)

NCUA · 5 branches

Q2 2026

$405.6MAssets
$274.8MLoans
$345.1MShares
$54.6MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 5 of 23).
  • Widest gap: return on equity trails 61% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 14 of 23).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.31%

Rank 14 of 23

Net Interest Margin

3.45%

Rank 13 of 23

Efficiency Ratio

87.80%

Rank 13 of 23

Equity / Assets

13.45%

Rank 5 of 23

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.31%0.05%0.36%0.99%Beats 39%14 / 23
Return on Equity2.32%0.56%3.49%7.31%Beats 39%14 / 23
Net Interest Margin3.45%3.13%3.48%3.80%Beats 43%13 / 23
Efficiency Ratio87.80%73.94%83.38%93.84%Beats 48%13 / 23
Asset Quality
Nonperforming Loans / Loans0.48%0.43%0.95%1.77%Beats 70%8 / 23
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.45%8.31%9.81%13.01%Beats 78%5 / 23
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.45%8.31%9.81%13.01%Beats 78%5 / 23
Liquidity & Funding
Loans / Deposits79.62%65.11%76.01%85.36%65th pctl8 / 23
Loans / Assets67.75%56.54%66.35%73.30%57th pctl10 / 23
Brokered Deposits / Depositsn/aNot reported for this institution