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Destinations Credit Union

Baltimore, MD · Charter 66333

NCUA · 2 branches

Q2 2026

$65.4MAssets
$27.3MLoans
$56.7MShares
$9.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.36%, up 3 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.48% of loans (+14 bps YoY).
  • Capital: net worth / assets of 13.76%, up 37 bps from a year ago.
  • Funding: loans stand at 48.14% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.36%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+13 bps YoY

Efficiency Ratio (quarter, annualized)

90.30%+277 bps YoY

Net Worth / Assets

13.76%+37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.41%0.42%0.32%0.36%+3 bps
Return on Equity2.52%2.99%3.02%2.35%2.64%+12 bps
Net Interest Margin3.16%3.27%3.32%3.21%3.29%+13 bps
Efficiency Ratio87.53%87.20%87.19%91.14%90.30%+277 bps
Growth
Asset Growth (YoY)-0.30%-0.16%0.87%0.26%-0.21%+9 bps
Loan Growth (YoY)-6.60%-6.90%-6.03%-5.45%-6.15%+45 bps
Share Growth (YoY)-1.74%-1.04%-0.02%-0.43%-0.23%+151 bps
Asset Quality
Delinquent Loans / Loans0.34%1.30%0.35%0.31%0.48%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.38%13.68%13.84%13.79%13.76%+37 bps
Net Worth / Assets13.38%13.68%13.84%13.79%13.76%+37 bps
Liquidity & Funding
Loans / Shares51.18%50.47%51.08%50.03%48.14%-304 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps