Compared with Colorado
9 of 18
compared fees are above the median.
6 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
74th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 18 compared; 6 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Denver Community Cu D.B.A. Zing Cu Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Denver Community Cu D.B.A. Zing Cu Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (74th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $683K in Q2 2026, 8.2% below the same quarter a year earlier ($744K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 18 compared published fees sit above the Colorado median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Colorado medians for fees published by banks and credit unions.
Monthly Maintenance
Charge Second Chance Checking
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 12% from Q3 2025 to Q2 2026, to $683K. Its share of revenue, 11%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$683K
Denver Community Cu D.B.A. Zing Cu Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Zing Credit Union · $406M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Zing Credit Union(this institution) | Denver, CO | $406M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Acadia Federal Credit Union | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alltru Federal Credit Union | Wentzville, MO | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ancorum Federal Credit Union | Bath, ME | $402M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ashland Federal Credit Union | Ashland, KY | $412M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cascade Federal Credit Union | Kent, WA | $393M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Case Federal Credit Union | Lansing, MI | $400M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eagle Community Federal Credit Union | Lake Forest, CA | $409M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Credit Union of Beloit | Beloit, WI | $410M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fort Financial Federal Credit Union | Fort Wayne, IN | $397M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Sill Federal Credit Union | Lawton, OK | $394M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Houston Texas Fire Fighters Federal Credit Union | Houston, TX | $401M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe Community Federal Credit Union | Monroe, MI | $406M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nymeo Federal Credit Union | Frederick, MD | $409M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ocean Financial Federal Credit Union | Oceanside, NY | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Park View Federal Credit Union | Harrisonburg, VA | $410M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Partnership Financial Federal Credit Union | Morton Grove, IL | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Popa Federal Credit Union | Cerritos, CA | $405M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Antonio Citizens Federal Credit Union | San Antonio, FL | $400M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Signet Federal Credit Union | Paducah, KY | $398M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wauna Federal Credit Union | Clatskanie, OR | $398M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wepco Federal Credit Union | Bloomington, MD | $399M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Yolo Federal Credit Union | Woodland, CA | $412M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12, the middle of its two prices, against a peer median of $5 among 15 publishing peers.
Its two checking prices are $12 and $12.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Denver Community Cu D.B.A. Zing Cu Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 58 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $683K | +$16K | +2.4% |
| Q1 2026 | $667K | −$207K | −23.7% |
| Q4 2025 | $874K | +$99K | +12.8% |
| Q3 2025 | $775K | +$31K | +4.2% |
| Q2 2025 | $744K | −$101K | −12.0% |
| Q1 2025 | $845K | +$21K | +2.5% |
| Q4 2024 | $824K | +$145K | +21.4% |
| Q3 2024 | $679K | +$24K | +3.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Denver Community Cu D.B.A. Zing Cu Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Denver Community Cu D.B.A. Zing Cu Federal Credit Union by share.
Amounts from Denver Community Cu D.B.A. Zing Cu Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · Account: Charge Second Chance Checking
per month
per month
per month
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking Monthly Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | Account: Charge Second Chance Checking |
| Second Chance Checking Monthly Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Charge Early Membership Close fee (Within 90 days of opening) | Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Return Statement or Dormant Account Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Paper Statement Fee (Charged Monthly) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Item/Non-Sufficient Funds/Overdrawn Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Withdrawal Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Charge Rush of Replacement Debit or Credit Card Fee (In addition to replacement fee) | Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Replacement Debit or Credit Card Fee (Not Rushed) | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer Fee | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Outgoing Wire Transfer Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check Fee | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Check Fee (Per page four) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Bill Payer Check Copy Fee | $1.96Not compared: Monthly charge, not per item | per month | None |
| Check/Debit Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Personal Checking – Returned Deposit Item Fee | $33Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Personal Checking – Returned Deposit Item Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment or Levy Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Processing Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month · Account: Charge Second Chance Checking
per month
per month
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking Monthly Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | Account: Charge Second Chance Checking |
| Second Chance Checking Monthly Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Charge Early Membership Close fee (Within 90 days of opening) | Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Return Statement or Dormant Account Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement Fee (Charged Monthly) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Item/Non-Sufficient Funds/Overdrawn Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Withdrawal Fee | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Charge Rush of Replacement Debit or Credit Card Fee (In addition to replacement fee) | Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Replacement Debit or Credit Card Fee (Not Rushed) | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer Fee | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Outgoing Wire Transfer Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check Fee | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Check Fee (Per page four) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Bill Payer Check Copy Fee | $1.96Not compared: Monthly charge, not per item | per month | None |
| Check/Debit Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Business Checking – Returned Deposit Item Fee | $15 | Not stated | None |
Account Services | |||
| Garnishment or Levy Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Processing Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Denver Community Cu D.B.A. Zing Cu Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Denver, CO | 4 |
| Littleton, CO | 1 |
Largest competitors nearby
Local market: Denver, Arapahoe and Adams counties, CO, around its headquarters.
| 83 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 20.7% |
| JPMorgan Chase Bank, National Association | 15.2% |
| U.S. Bank National Association | 13.6% |
| PNC Bank, National Association | 9.8% |
| Bank of America, National Association | 5.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.