Credit Union Safety Analysis
Is Denver Community Credit Union dba Zing Credit Union Safe? Denver, Colorado
Based on its Q2 2026 NCUA 5300 call report, Denver Community Credit Union dba Zing Credit Union has a net worth ratio of 13.45%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Denver Community Credit Union dba Zing Credit Union's net worth ratio is 13.45%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.45%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.32%
- Loan-to-share ratio (Q2 2026): 79.62%
Denver Community Credit Union dba Zing Credit Union (NCUA charter 68616, established 1934) reported $405.6M in assets and 29,950 members for Q2 2026 from Denver, Colorado. It ranks 14 of 61 credit unions in Colorado by total assets. Total assets fell 0.9% from $409.2M on June 30, 2025. It has 1,080 fewer members than on June 30, 2025 (-3.5%). Its net worth ratio was up 0.49 percentage points from 12.96% on June 30, 2025. Used vehicle loans are its largest loan category, $96.5M of $274.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.02% for Q1 2026; 12.96% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.39% for Q1 2026; 0.49% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.29% for Q1 2026; -0.07% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 76.70% for Q1 2026; 78.74% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $96.5M
- 1- to 4-family residential and other consumer real estate loans: $86.2M
- New vehicle loans: $38.6M
- Unsecured credit card loans: $10.5M
- Commercial loans: $9.0M
- Other unsecured loans and lines of credit: $3.5M
- Other secured non-real estate loans and lines of credit: $2.9M
- Non-federally guaranteed student loans: $164K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $405.6M | 13.45% | 0.48% | 0.32% | 79.62% |
| March 31, 2026 | $416.7M | 13.02% | 0.39% | 0.29% | 76.70% |
| December 31, 2025 | $418.2M | 12.90% | 0.61% | 0.73% | 75.37% |
| September 30, 2025 | $409.9M | 13.07% | 0.55% | 0.52% | 78.61% |
| June 30, 2025 | $409.2M | 12.96% | 0.49% | -0.07% | 78.74% |
| March 31, 2025 | $415.5M | 12.78% | 0.40% | 0.36% | 74.96% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Denver Community Credit Union dba Zing Credit Union profile
Regulator records: NCUA credit union profile (charter 68616) · FFIEC NIC profile (RSSD 360393)
Frequently asked questions
Is Denver Community Credit Union dba Zing Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Denver Community Credit Union dba Zing Credit Union's net worth ratio is 13.45%, above the 7% NCUA threshold for well capitalized.
Is Denver Community Credit Union dba Zing Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Denver Community Credit Union dba Zing Credit Union is a federally insured credit union (NCUA charter 68616): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Denver Community Credit Union dba Zing Credit Union's key safety ratios?
For Q2 2026, Denver Community Credit Union dba Zing Credit Union reports net worth 13.45%, delinquency 0.48%, ROA 0.32%, loan-to-share 79.62%.
What happens to my money if Denver Community Credit Union dba Zing Credit Union fails?
For Q2 2026, Denver Community Credit Union dba Zing Credit Union held $345.1M in shares and deposits for 29,950 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.