DESTINATIONS CREDIT UNION vs FIVE STAR OF MARYLAND
Side-by-side comparison based on NCUA quarterly call report data.
DESTINATIONS CREDIT UNION scores higher on overall financial health (health score: 73/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | DESTINATIONS CREDIT UNION | FIVE STAR OF MARYLAND |
|---|---|---|
| Health Score 0–100, higher is better | 73 | 68 |
| Total Assets | $64.1M | $61.4M |
| Members | 5,634 | 5,799 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 12.87% | 9.04% |
| Delinquency Rate Lower = fewer past-due loans | 0.35% | 0.13% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 51.08% | 46.51% |
| Member Growth Year-over-year membership change | -4.3% | -5.8% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | DESTINATIONS CREDIT UNION | FIVE STAR OF MARYLAND |
|---|---|---|
| Location | BALTIMORE, MD | BALTIMORE, MD |
| Charter Type | State | Federal |
| Field of Membership | Other | Community |
| Peer Group | $50M–$100M | $50M–$100M |
| Charter Number | 66333 | 19668 |
What This Comparison Says About DESTINATIONS CREDIT UNION vs FIVE STAR OF MARYLAND
DESTINATIONS CREDIT UNION (BALTIMORE, MD) and FIVE STAR OF MARYLAND (BALTIMORE, MD) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. DESTINATIONS CREDIT UNION holds $64.1M in assets across 5,634 members, while FIVE STAR OF MARYLAND holds $61.4M across 5,799 members. On the composite health score, DESTINATIONS CREDIT UNION comes out ahead at 73/100 versus 68/100 for its counterpart — a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 66333 and 19668 indicate entirely separate NCUA supervisory records; they operate under peer groups $50M–$100M and $50M–$100M respectively.
Capital adequacy is the first check: DESTINATIONS CREDIT UNION's net worth ratio of 12.87% clears the NCUA's 7.0% "well capitalized" bar, while FIVE STAR OF MARYLAND posts 9.04%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 0.35% for DESTINATIONS CREDIT UNION and 0.13% for FIVE STAR OF MARYLAND; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 51.08% and 46.51% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: DESTINATIONS CREDIT UNION is currently defined as "Other" and FIVE STAR OF MARYLAND as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." DESTINATIONS CREDIT UNION shows 12.87% vs FIVE STAR OF MARYLAND at 9.04%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. DESTINATIONS CREDIT UNION: 0.35% — FIVE STAR OF MARYLAND: 0.13%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.