Destinations Credit Union
Baltimore, MD · Charter 66333 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$65.4MAssets
$27.3MLoans
$56.7MShares
$9.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of credit unions under $1B in assets (rank 653 of 1682).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets (rank 1394 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.36%
Rank 1,248 of 1,683
Net Interest Margin
3.29%
Rank 1,281 of 1,683
Efficiency Ratio
90.35%
Rank 1,394 of 1,682
Equity / Assets
13.76%
Rank 707 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,248 / 1,683 | |
| Return on Equity | 2.65% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,269 / 1,681 | |
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,281 / 1,683 | |
| Efficiency Ratio | 90.35% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,394 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 653 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.76% | 10.44% | 12.89% | 16.53% | Beats 58% | 707 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.76% | 10.44% | 12.89% | 16.53% | Beats 58% | 707 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 48.14% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,352 / 1,683 | |
| Loans / Assets | 41.76% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,324 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |