# DESTINATIONS CREDIT UNION
BALTIMORE, MD · NCUA charter 66333 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/destinations-credit-union-66333

Who the members are: state charter, organized 1935, low-income designated. 5,579 members of 49,500 potential (11.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.7M |
| Members | 5,579 (-4.9% YoY) |
| Full-time staff | 16 |
| Net worth | $8.9M |
| Net worth ratio | 13.8% (p61 of band) |
| ROA (annualized) | 0.32% (p29 of band) |
| Total delinquency | 0.31% (p30 of band) |
| Net charge-offs (annualized) | 0.34% (p60 of band) |
| Loans / shares | 50% (p30 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p26 of band) |
| Operating expense / assets | 4.37% (p75 of band) |
| Vehicles % of loans | 39% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.29% (p31 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 22% |
| Average share balance | $4,288 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,668 |
| Loans granted, annualized | $7.2M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |
| 2016-06 | 1 |  | expense trap |
| 2016-09 | 0 |  | losing money |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | losing money |  |
| 2017-06 | 1 | members leaving | losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | expense trap |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 3 | net worth falling, delinquency 2x band |  |
| 2020-09 | 2 | losing money | expense trap, delinquency 2x band |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 5 | delinquency 2x band, members leaving, loan book shrinking | losing money |
| 2021-06 | 2 |  | delinquency 2x band, members leaving, loan book shrinking |
| 2021-09 | 1 | members leaving | net worth falling, margin squeeze |
| 2021-12 | 2 | charge-offs p90 |  |
| 2022-03 | 3 | losing money, delinquency 2x band | charge-offs p90 |
| 2022-06 | 2 | assets shrinking | losing money, delinquency 2x band |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | losing money |  |
| 2023-03 | 2 |  | assets shrinking |
| 2023-06 | 1 |  | losing money |
| 2023-09 | 2 | losing money |  |
| 2023-12 | 4 | delinquency rising, assets shrinking |  |
| 2024-03 | 2 |  | losing money, assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency 2x band |  |
| 2024-12 | 2 |  | delinquency 2x band |
| 2025-03 | 1 | losing money | members leaving, delinquency rising |
| 2025-06 | 1 | net worth falling | losing money |
| 2025-09 | 2 | delinquency 2x band, members leaving | net worth falling |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-09 [Thomas Rhett Reveals Destinations, Lineup On 2026 Tour — What To Know | K102 | Wayne and Tay - K102](https://news.google.com/rss/articles/CBMizgFBVV95cUxPYXdEdDhfSmpJNXBiRkg0TkFSU1RKcE1sampobGM1Vl8yUXhvNzFCZDRDbW1mMDJ1MncxSHFlNlhvVWRSM1lvbk1XLVhIV3NSVmZQVnNmNVpYZ3hiU1ZEd3EyRDI3eVY5dGJlYmQ3X3FrV0FCa1dHWFNJMkpGd0NfT1hLRmV3aUczd3VqLWxqUEV0V0VqemFUWGJHZWh0RS1RNWhQWUZvZ2NLSWdVNGNtY2ZLMzFuYkdQTzYwNV9PcWloZUdXVU5JOHVSdVFsQQ?oc=5) · K102
- 2026-06-08 [America 250: Experiences Like No Other - TravelPulse](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSnE3aElzYVlmQU9RNTJ1VkNLbDJ4T0VNZmxXMkpaV1FpZ1hIT2ctWnhZSmlXX3JRTXJHWXFkdkNnUllPQlZYaFdIYjY5N2RjeFdnLTgycjQwUDVqQ0V4UUI5ZXhJcmVGeW9pV0NNRV9vYnpORGU2RGRBTW9fUXo4ZDFPMnl0X0RkOXBz?oc=5) · TravelPulse
- 2024-01-05 [Robin Miller Obituary (2024) - Westminster, MD - Carroll County Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNeGpoNnB4dnZvZkZXdGNuNUMwUFVLSVdiOUV4ZjJrR083VjlhTUE0ZXNfZHl5bmluRi1Vc0FxQnZEQjV3eW9rb1M1UlBZNlIyXzFjREtDNmtFMnE3MUJ5N3Q2MVAyWkdJZzBhR19oRWEzcnNPaXlpSVJiNE83bGx6NDc5V2h1Rk9OQ0lzUDZCYmtlVWwyTEdXZjBR?oc=5) · legacy.com
- 2024-12-09 [Watch: Keith Urban Reveals Special Guests, Dozens Of Destinations On His 2025 World Tour - 93.1 WPOC](https://news.google.com/rss/articles/CBMitgFBVV95cUxOd181TW8tY3M0NlNTOHNSQm5BVTlESnhEaUhYNmgwd2ZVTWtCU19vZTJvSVZWbnZITWF0dEh0cEFmWEdlcU9sRV9Tb0VZNVYyVHFoT1UxNmVfQV9tVFNxZzNtQ2VCUUlHOXVFMmZCaldTTE5DQnE5N2FxU2p5RFhJTE1BaFp0VS05cVhQVnltYVJLX2dQNDZ2NEtQUXEzS2F1Z3VEM1haNzYzTkNCa1ZEcjdPZlM3Zw?oc=5) · 93.1 WPOC
- 2024-05-20 [Jon Pardi Reveals New Destinations, Lineups On 2024 Headlining Tour - iHeart](https://news.google.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?oc=5) · iHeart

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66333 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/29.json (key "66333", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66333
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide