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 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 5.80% above tier (higher cost structure)
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,776
-3.2% YoY-1.1% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 10.3% in tier |
| Assets |
$64.7M
-0.2% YoY-1.2% QoQ
|
+$34.9M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 14.7% in tier |
| Loans |
$28.2M
-6.9% YoY-2.9% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$56.0M
-1.0% YoY-1.5% QoQ
|
+$30.5M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 14.3% in tier |
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| ROA |
0.4%
+83.7% YoY+19.6% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
3.2%
+7.6% YoY+2.0% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
87.2%
-6.5% YoY-0.4% QoQ
|
+5.8% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
1.3%
-4.7% YoY+282.1% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
50.5%
-5.9% YoY-1.4% QoQ
|
-10.8% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$14,580
+0.1% YoY-0.8% QoQ
|
$-47 |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
21.5%
-4.5% YoY+1.8% QoQ
|
-2.9% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)