BlastPoint's Credit Union Scorecard
DESTINATIONS CREDIT UNION
Charter #66333 · MD
DESTINATIONS CREDIT UNION has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 1.53% above tier (higher cost structure)
- - Member decline: -5.8% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits -0.2% year over year ($56.7M in shares and deposits).
- Membership: 5,505 members, -5.8% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.37%.
- Efficiency ratio 90.30% vs a 88.77% peer average.
- Loan-to-share ratio 48.14% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,505
-5.8% YoY-1.3% QoQ
|
+2.9K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 10.9% in tier |
| Assets |
$65.4M
-0.2% YoY+1.0% QoQ
|
+$35.1M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 14.4% in tier |
| Loans |
$27.3M
-6.1% YoY-2.5% QoQ
|
+$11.8M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$56.7M
-0.2% YoY+1.3% QoQ
|
+$30.9M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 14.3% in tier |
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| ROA |
0.4%
+7.4% YoY+12.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.3%
+3.7% YoY+2.8% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
90.3%
+3.2% YoY-0.9% QoQ
|
+1.5% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.5%
+40.8% YoY+54.6% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
48.1%
-5.9% YoY-3.8% QoQ
|
-10.8% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$15,258
+3.8% YoY+1.4% QoQ
|
+$295 |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
21.2%
+0.4% YoY-1.6% QoQ
|
-3.4% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)