State credit union · Denver, Colorado · NCUA charter #68616
Denver Community Cu D.b.a. Zing Cu
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $418.2M
- Total assets
- 30,116
- Members
- 12.6%
- Net-worth ratio
Denver Community Cu D.b.a. Zing Cu - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68616. See our deposit-insurance coverage note.
Denver Community Cu D.b.a. Zing Cu - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.64% | 30% |
| Delinquency Rate | 0.61% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | -18.42% | 15% |
| Loan-to-Share Ratio | 75.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $418.2M | 30,116 |
| 2024Q4 | $412.5M | 36,918 |
| 2023Q4 | $417.1M | 36,743 |
Credit Union Details
- Charter Number
- 68616
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Denver
- Data Quarter
- 2025Q4
What This Data Says About Denver Community Cu D.b.a. Zing Cu
The five-factor composite scores Denver Community Cu D.b.a. Zing Cu at 84/100 (Excellent), reflecting a net worth ratio of 12.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Denver, Colorado, reports 30,116 members, $418.2M in total assets, and $270.0M in outstanding loans as of Q4 2025 under charter #68616 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 0.61% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 75.37% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.84% on net income of $3.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -18.42%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Denver Community Cu D.b.a. Zing Cu financially healthy?
A 12.64% net worth ratio and a 0.61% delinquency rate feed into Denver Community Cu D.b.a. Zing Cu's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Denver Community Cu D.b.a. Zing Cu compare to other credit unions?
PlainCU's health composite puts Denver Community Cu D.b.a. Zing Cu at 84/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Denver Community Cu D.b.a. Zing Cu?
Membership eligibility for Denver Community Cu D.b.a. Zing Cu depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Denver Community Cu D.b.a. Zing Cu directly for current membership requirements and application steps.
Is my money safe at Denver Community Cu D.b.a. Zing Cu?
Federal credit unions like Denver Community Cu D.b.a. Zing Cu are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Denver Community Cu D.b.a. Zing Cu's net worth ratio of 12.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Denver Community Cu D.b.a. Zing Cu offer compared to banks?
Credit unions like Denver Community Cu D.b.a. Zing Cu are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Denver Community Cu D.b.a. Zing Cu directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.