Credit Union Safety Analysis
Is Destinations Credit Union Safe? Parkville, Maryland
Based on its Q2 2026 NCUA 5300 call report, Destinations Credit Union has a net worth ratio of 13.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Destinations Credit Union's net worth ratio is 13.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.76%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.41%
- Loan-to-share ratio (Q2 2026): 48.14%
Destinations Credit Union (NCUA charter 66333, established 1935) reported $65.4M in assets and 5,505 members for Q2 2026 from Parkville, Maryland. It ranks 38 of 58 credit unions in Maryland by total assets. Total assets fell 0.2% from $65.5M on June 30, 2025. It has 338 fewer members than on June 30, 2025 (-5.8%). Its net worth ratio was up 0.39 percentage points from 13.37% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.4M of $27.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.79% for Q1 2026; 13.37% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.31% for Q1 2026; 0.34% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.32% for Q1 2026; 0.72% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 50.03% for Q1 2026; 51.18% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $12.4M
- Used vehicle loans: $7.9M
- New vehicle loans: $2.6M
- Unsecured credit card loans: $2.3M
- Other unsecured loans and lines of credit: $1.2M
- Other secured non-real estate loans and lines of credit: $756K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $65.4M | 13.76% | 0.48% | 0.41% | 48.14% |
| March 31, 2026 | $64.7M | 13.79% | 0.31% | 0.32% | 50.03% |
| December 31, 2025 | $64.1M | 13.84% | 0.35% | 0.43% | 51.08% |
| September 30, 2025 | $64.7M | 13.67% | 1.30% | 0.54% | 50.47% |
| June 30, 2025 | $65.5M | 13.37% | 0.34% | 0.72% | 51.18% |
| March 31, 2025 | $64.6M | 13.38% | 0.91% | -0.05% | 52.68% |
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Free to use. It shows Destinations Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Destinations Credit Union profile
Regulator records: NCUA credit union profile (charter 66333) · FFIEC NIC profile (RSSD 222491)
Frequently asked questions
Is Destinations Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Destinations Credit Union's net worth ratio is 13.76%, above the 7% NCUA threshold for well capitalized.
Is Destinations Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Destinations Credit Union is a federally insured credit union (NCUA charter 66333): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Destinations Credit Union's key safety ratios?
For Q2 2026, Destinations Credit Union reports net worth 13.76%, delinquency 0.48%, ROA 0.41%, loan-to-share 48.14%.
What happens to my money if Destinations Credit Union fails?
For Q2 2026, Destinations Credit Union held $56.7M in shares and deposits for 5,505 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.