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Letter portraitLegal landscapeQuarterYTD

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.27%0.38%0.29%0.31%+16 bps
Return on Equity1.13%2.09%2.97%2.25%2.32%+119 bps
Net Interest Margin3.37%3.40%3.35%3.31%3.45%+8 bps
Efficiency Ratio87.78%87.24%85.28%86.49%87.80%+2 bps
Growth
Asset Growth (YoY)-2.71%-1.36%1.39%0.27%-0.88%+183 bps
Loan Growth (YoY)-5.39%-1.91%0.62%1.84%-0.48%+491 bps
Share Growth (YoY)-3.63%-2.00%0.92%-0.47%-1.57%+206 bps
Asset Quality
Delinquent Loans / Loans0.49%0.55%0.61%0.39%0.48%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.97%13.08%12.90%13.02%13.45%+48 bps
Net Worth / Assets12.97%13.08%12.90%13.02%13.45%+48 bps
Liquidity & Funding
Loans / Shares78.74%78.61%75.37%76.70%79.62%+88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps