BlastPoint's Credit Union Scorecard

DESTINATIONS CREDIT UNION

Charter #66333 · MD

<100M

2508 CUs in <100M nationally 27 in MD

DESTINATIONS CREDIT UNION has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.18% above tier average
+ Fee Income Per Member: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 0.51% above tier (higher cost structure)
- Member decline: -4.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	5,579 -4.9% YoY-1.0% QoQ	+2.9K	2,676 +1.6% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	Top 10.6% in tier
Assets	$64.7M +0.3% YoY+1.0% QoQ	+$34.5M	$30.2M +1.3% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	Top 14.8% in tier
Loans	$28.0M -5.5% YoY-0.8% QoQ	+$12.7M	$15.3M -2.0% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	81%
Deposits	$56.0M -0.4% YoY+1.3% QoQ	+$30.2M	$25.8M +0.7% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	Top 14.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -22.0% QoQ	+0.2%	0.1% -77.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	36%
NIM	3.2% +1.3% YoY-2.6% QoQ	-0.8%	4.0% +4.0% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	91.1% -2.8% YoY+4.5% QoQ	+0.5%	90.6% +6.5% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	0.3% -66.0% YoY-11.2% QoQ	-1.2	1.5% +3.8% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	35%
Loan To Share	50.0% -5.0% YoY-2.1% QoQ	-8.5%	58.5% -3.0% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	36%
AMR	$15,046 +2.9% YoY+1.6% QoQ	+$162	$14,884 -1.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	56%
CD Concentration	21.5% +1.5% YoY-2.1% QoQ	-2.8%	24.3%	21.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

164

Fee Income Per Member

profitability

Value: $183.19

Peer Median: $60.42

#164 of 2508 Top 6.5% in <100M tier

265

Total Members

engagement

Value: 5,579

Peer Median: 1,918

#265 of 2508 Top 10.5% in <100M tier

368

Total Deposits

balance_sheet

Value: $55.95M

Peer Median: $18.77M

#368 of 2508 Top 14.6% in <100M tier

370

Total Assets

balance_sheet

Value: $64.73M

Peer Median: $21.86M

#370 of 2508 Top 14.7% in <100M tier

479

Total Loans

balance_sheet

Value: $27.99M

Peer Median: $9.48M

#479 of 2508 Top 19.1% in <100M tier

Top Weaknesses (3 metrics)

2071

Member Growth Rate

growth

Value: -4.88%

Peer Median: -1.37%

#2071 of 2508 Bottom 17.5% in <100M tier

1991

First Mortgage Concentration (%)

balance_sheet

Value: 30.17%

Peer Median: 3.66%

#1991 of 2508 Bottom 20.7% in <100M tier

1883

Net Interest Margin (NIM)

profitability

Value: 3.21%

Peer Median: 3.83%

#1883 of 2508 Bottom 25.0% in <100M tier