TellerScore

Destinations Credit Union is a federally insured state-chartered credit union headquartered in Baltimore, Maryland, in business for about 91 years. At the end of Q2 2026 it reported $65.4M in total assets and $56.7M in member shares and deposits, with 2 offices.

Destinations Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 15th. Funding & liquidity contributes the most (100/100, 48% loans-to-deposits, 3% uninsured); earnings contributes the least (35/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.76%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings35/100
Return on assets (annualized): 0.36%
Funding & liquidity100/100
Loans ÷ shares: 48.1% · 2.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.45%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 79).

TellerScore
697581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202469
Q4 202470
Q1 202571
Q2 202579
Q3 202572
Q4 202581
Q1 202680
Q2 202679
Net worth ratio
7.00%10.42%13.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.22%
Q3 202413.45%
Q4 202413.61%
Q1 202513.38%
Q2 202513.37%
Q3 202513.67%
Q4 202513.84%
Q1 202613.79%
Q2 202613.76%
Delinquent loans (60+ days)
0.31%0.83%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20241.36%
Q4 20241.17%
Q1 20250.91%
Q2 20250.34%
Q3 20251.30%
Q4 20250.35%
Q1 20260.31%
Q2 20260.48%
Return on assets
-0.05%0.19%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.22%
Q4 20240.13%
Q1 2025-0.05%
Q2 20250.34%
Q3 20250.41%
Q4 20250.42%
Q1 20260.32%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$65.4M13.76%0.48%0.36%48.1%
Q1 202680$64.7M13.79%0.31%0.32%50.0%
Q4 202581$64.1M13.84%0.35%0.42%51.1%
Q3 202572$64.7M13.67%1.30%0.41%50.5%
Q2 202579$65.5M13.37%0.34%0.34%51.2%
Q1 202571$64.6M13.38%0.91%-0.05%52.7%
Q4 202470$63.5M13.61%1.17%0.13%54.3%
Q3 202469$64.8M13.45%1.36%0.22%53.6%
Q2 202472$65.7M13.22%0.96%0.22%53.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.76%
45th
Problem loans0.48%
59th
Net charge-offs0.48%
28th
Return on assets0.36%
35th
Loans to deposits48.1%
67th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
59th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Five Star of Maryland Federal Credit UnionCredit union Baltimore, MD78 out of 100, Strong$62.7M12.7%0.20%vs
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
Fedfinancial Federal Credit UnionCredit union Silver Spring, MD63 out of 100, Moderate$76.8M9.0%0.82%vs
Census Federal Credit UnionCredit union Suitland, MD90 out of 100, Very strong$48.9M20.6%0.38%vs
Transit Employees Federal Credit UnionCredit union Greenbelt, MD72 out of 100, Strong$93.4M19.4%1.21%vs
W S S C Federal Credit UnionCredit union Laurel, MD50 out of 100, Below average$35.4M10.1%1.95%vs

Deposit insurance

Is my money safe at Destinations Credit Union?

Yes. Destinations Credit Union is a federally insured credit union (NCUA charter #66333). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.76%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Destinations Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Consumer Credit Card9.50% – 19.50%$0$251.3%

All Destinations Credit Union card terms

Identity & history

Profile

Legal name
Destinations Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66333
RSSD ID
222491
Primary regulator
State + NCUA
Established
1935
Headquarters
8767 Satyr Hill Rd, Baltimore, MD 21234
Employees
16

Quick answers

Destinations Credit Union: common questions

Is Destinations Credit Union NCUA insured?

Yes. Destinations Credit Union is a federally insured credit union (NCUA charter #66333). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Destinations Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Destinations Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Baltimore

InstitutionScoreAssetsCapitalProblem loansCompare
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
Homewood Federal Savings BankBank Baltimore, MD80 out of 100, Strong$67.3M26.1%0.00%vs
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs
Self Reliance Financial Federal Credit UnionCredit union New York, NY79 out of 100, Strong$2.0B17.2%0.63%vs