BlastPoint's Credit Union Scorecard
DESTINATIONS CREDIT UNION
Charter #66333 · MD
DESTINATIONS CREDIT UNION has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 4.63% above tier (higher cost structure)
- - Member decline: -4.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,634
-4.3% YoY-2.5% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 10.6% in tier |
| Assets |
$64.1M
+0.9% YoY-1.0% QoQ
|
+$33.9M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$28.2M
-6.0% YoY-0.1% QoQ
|
+$12.4M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$55.2M
-0.0% YoY-1.3% QoQ
|
+$29.5M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
85% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+231.0% YoY+2.1% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.3%
+6.0% YoY+1.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
87.2%
-6.6% YoY-0.0% QoQ
|
+4.6% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.3%
-70.4% YoY-73.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
51.1%
-6.0% YoY+1.2% QoQ
|
-9.5% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$14,810
+2.3% YoY+1.6% QoQ
|
+$27 |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
22.0%
+4.3% YoY+2.3% QoQ
|
-2.5% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)