Compared with Maryland
12 of 22
compared fees are above the median.
4 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
94th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 22 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Destinations Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Destinations Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 19% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (94th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $179K in Q2 2026, 22% below the same quarter a year earlier ($229K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 22 compared published fees sit above the Maryland median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maryland medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $2.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $31, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 10% from Q3 2025 to Q2 2026, to $179K. Its share of revenue, 19%, is above the 7.2% median for credit unions with under $300M in assets.
$179K
Destinations Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $1.50 to $3.50; we compare the midpoint.
Destinations Credit Union · $65M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Destinations Credit Union(this institution) | Baltimore, MD | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| A.B.D. Federal Credit Union | Warren, MI | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Banner Federal Credit Union | Phoenix, AZ | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bopti Federal Credit Union | San Pedro, CA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cranberry Federal Credit Union | West Wareham, MA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Richmond Incorporat | Richmond, VA | $65M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Doches Federal Credit Union | Nacogdoches, TX | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eagle Express Federal Credit Union | Jackson, MS | $67M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Federated Employees Federal Credit Union | Owatonna, MN | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fort Billings Federal Credit Union | Paulsboro, NJ | $64M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gp Louisiana Federal Credit Union | Zachary, LA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Financial Federal Credit Union | New Haven, CT | $64M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincoln Park Community Federal Credit Union | Lincoln Park, MI | $63M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lion'S Share Federal Credit Union | Salisbury, NC | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Madison Federal Credit Union | Madison, WI | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Millard County Federal Credit Union | Fillmore, UT | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morehead Community Federal Credit Union | Morehead, KY | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| One Vision Federal Credit Union | Clarksville, IN | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rimrock Federal Credit Union | Billings, MT | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Valley Community Federal Credit Union | Camden, AR | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rolling F Federal Credit Union | Turlock, CA | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sacred Heart Parish Hallettsville Federal Credit Union | Hallettsville, TX | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shell Western States Federal Credit Union | Martinez, CA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Bend Firefighters Federal Credit Union | South Bend, IN | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spokane City Federal Credit Union | Spokane, WA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Employees Federal Credit Union | Albert Lea, MN | $66M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Destinations Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Destinations Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $179K | −$3K | −1.6% |
| Q1 2026 | $182K | −$35K | −16.1% |
| Q4 2025 | $217K | +$18K | +9.0% |
| Q3 2025 | $199K | −$30K | −13.1% |
| Q2 2025 | $229K | +$33K | +16.8% |
| Q1 2025 | $196K | −$19K | −8.8% |
| Q4 2024 | $215K | −$37K | −14.7% |
| Q3 2024 | $252K | +$1K | +0.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Destinations Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Destinations Credit Union by share.
Amounts from Destinations Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Membership Closure Fee (within 6 months of opening) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research - Debit & Credit Card Fraud Claim (if research concludes NO FRAUD) | $20Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Telephone Assisted Account Reconciliation | $5Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Paper Statement Fee | $10Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Bad Address Mail Returns | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay (1) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| eBanking Bill Pay - Stop Payment &/or Returned Item(s) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non - Sufficient Funds (NSF) Fee - Applies to both Savings and Checking shares. | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiry completed via ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Foreign ATM fee | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| MasterCard Foreign Transaction Fee | 1.25%of the transaction | per transaction | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Domestic Wire Transfers (Outgoing) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfer (Incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| Domestic Wire Transfers (Incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders (Only available for amounts up to $1,000) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request (ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy (Personal, Bill Payment, or Credit Union Check / Money Orders) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| eBanking Bill Pay - Inactivity Fee (If not used a minimum of once Per Month) | $6.95Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| MasterCard Cash Advance Fee | $15Above the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Mastercard Credit Card Cash Advance Fee | $15Above the U.S. middle 50% ($2 to $10 nationally) | per transaction | None |
| Return Check Deposit Fee | $32Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment Fee / Tax Levies / Attachments / Liens | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Accounts / Deposits / Membership | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Mastercard Credit Card Late Payment Fee | $25Not compared: Monthly charge, not per item | per month | None |
| Mastercard Late Payment Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Modification - Consumer Loans | $25Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
| Loan Modification - Real Estate Loans | $150Above the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Expedited Services ( ALL product(s) / service(s) requiring FedEx / UPS delivery) | $40Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Statement Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Security Interest Filing (Lien Release) | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan Modification – Real Estate | $150Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan Payoff Request | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Repeat Loan Application (Made within 3 months) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Destinations Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Baltimore, MD | 1 |
| Randallstown, MD | 1 |
Largest competitors nearby
Local market: Baltimore city, Baltimore and Anne Arundel counties, MD, around its headquarters.
| 51 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 32.2% |
| Manufacturers and Traders Trust Company | 22% |
| Truist Bank | 9.6% |
| PNC Bank, National Association | 9.1% |
| Wells Fargo Bank, National Association | 7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.