DESTINATIONS CREDIT UNION
Charter #66333 · BALTIMORE, MD · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.23% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.12% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.31% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 48th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DESTINATIONS CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.73M | 36th pct | 39th pct |
| Members | 5,579 | 59th pct | 59th pct |
| Net worth ratio | 13.79% | 61th pct | 64th pct |
| Return on average assets | 0.33% | 30th pct | 36th pct |
| Net interest margin | 3.23% | 25th pct | 18th pct |
| Cost of funds | 0.12% | 7th pct | 10th pct |
| Loan-to-share | 50.03% | 30th pct | 48th pct |
| Delinquency 60+ days | 0.31% | 30th pct | 20th pct |
| Net charge-off ratio | 0.34% | 60th pct | 44th pct |
| Loan growth YoY | -0.90% | 56th pct | 64th pct |
| Share growth YoY | -0.03% | 17th pct | 23th pct |
| Efficiency ratio | 91.14% | 83th pct | 74th pct |
structural peer set hash: ca3dab80801eeb8763ab5eea94ff02e8… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.