Civic Intelligence

Destinations Credit Union

EIN 52-0238203 • 501(c)14 • Baltimore, MD

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Profile

The credit union promotes thrift and provides a source of low-cost credit for individual members.

8767 Satyr Hill RoadBaltimore, MD 21234

www.estinationscu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

3rd percentile

0.01x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

4th percentile

0.10x

Higher debt load relative to revenue than 4% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

20th percentile

2.1%

Higher net margin than 20% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

50th percentile

$205,927

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

$50M-$100M nonprofits • Source year 2024

Asset Growth

29th percentile

-1.9%

Faster asset growth than 29% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

11%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Down

$63,532,666

Down $1,235,283 (-1.9%) from 2023

Liabilities

Down

$361,673

Down $41,939 (-10%) from 2023

Net Assets

Down

$63,170,993

Down $1,193,344 (-1.9%) from 2023

Operations
Liabilities / Revenue4th percentileNet Margin20th percentile

Revenue

Up

$3,786,101

Up $389,034 (+11%) from 2023

Expenses

Up

$3,705,544

Up $245,537 (+7.1%) from 2023

Net Income

Up

$80,557

Up $143,497 (+228%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth29th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $46,689,716Liabilities 2010: $224,155Net Assets 2010: $46,465,5612010Assets 2011: $55,981,213Liabilities 2011: $522,099Net Assets 2011: $55,459,1142011Assets 2012: $55,694,763Liabilities 2012: $278,127Net Assets 2012: $55,416,6362012Assets 2013: $56,021,041Liabilities 2013: $302,641Net Assets 2013: $55,718,4002013Assets 2014: $57,006,414Liabilities 2014: $275,137Net Assets 2014: $56,731,2772014Assets 2015: $60,242,328Liabilities 2015: $410,800Net Assets 2015: $59,831,5282015Assets 2016: $60,653,840Liabilities 2016: $640,962Net Assets 2016: $60,012,8782016Assets 2017: $59,061,803Liabilities 2017: $668,279Net Assets 2017: $58,393,5242017Assets 2018: $59,415,470Liabilities 2018: $364,765Net Assets 2018: $59,050,7052018Assets 2019: $58,566,672Liabilities 2019: $255,032Net Assets 2019: $58,311,6402019Assets 2020: $66,152,571Liabilities 2020: $507,874Net Assets 2020: $65,644,6972020Assets 2021: $69,990,367Liabilities 2021: $460,227Net Assets 2021: $69,530,1402021Assets 2022: $67,163,860Liabilities 2022: $476,003Net Assets 2022: $66,687,8572022Assets 2023: $64,767,949Liabilities 2023: $403,612Net Assets 2023: $64,364,3372023Assets 2024: $63,532,666Liabilities 2024: $361,673Net Assets 2024: $63,170,9932024

Highlighted filing

2024

Assets$63,532,666
Liabilities$361,673
Net Assets$63,170,993
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,169,3952010Expenses 2011: $2,990,9802011Expenses 2012: $3,554,5382012Revenue 2013: $3,095,132Expenses 2013: $3,153,618Net Income 2013: -$58,4862013Revenue 2014: $2,938,090Expenses 2014: $2,925,965Net Income 2014: $12,1252014Revenue 2015: $3,110,311Expenses 2015: $3,256,873Net Income 2015: -$146,5622015Revenue 2016: $3,292,583Expenses 2016: $3,205,450Net Income 2016: $87,1332016Revenue 2017: $3,376,680Expenses 2017: $3,204,192Net Income 2017: $172,4882017Revenue 2018: $3,621,086Expenses 2018: $3,202,866Net Income 2018: $418,2202018Revenue 2019: $3,787,715Expenses 2019: $3,522,799Net Income 2019: $264,9162019Revenue 2020: $3,413,500Expenses 2020: $3,456,894Net Income 2020: -$43,3942020Revenue 2021: $3,241,703Expenses 2021: $3,217,852Net Income 2021: $23,8512021Revenue 2022: $3,175,657Expenses 2022: $3,222,458Net Income 2022: -$46,8012022Revenue 2023: $3,397,067Expenses 2023: $3,460,007Net Income 2023: -$62,9402023Revenue 2024: $3,786,101Expenses 2024: $3,705,544Net Income 2024: $80,5572024

Highlighted filing

2024

Revenue$3,786,101
Expenses$3,705,544
Net Income$80,557
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$63,532,666
Liabilities
$361,673
Net assets
$63,170,993
Revenue
$3,786,101
Expenses
$3,705,544
Net income
$80,557
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.5$0.36$63.2$3.79$3.71$0.08
2023Detailed filing. Detailed filing data is available for this year.$64.8$0.40$64.4$3.40$3.46$0.06
2022Detailed filing. Detailed filing data is available for this year.$67.2$0.48$66.7$3.18$3.22$0.05
2021Detailed filing. Detailed filing data is available for this year.$70.0$0.46$69.5$3.24$3.22$0.02
2020Detailed filing. Detailed filing data is available for this year.$66.2$0.51$65.6$3.41$3.46$0.04
2019Detailed filing. Detailed filing data is available for this year.$58.6$0.26$58.3$3.79$3.52$0.26
2018Detailed filing. Detailed filing data is available for this year.$59.4$0.36$59.1$3.62$3.20$0.42
2017Detailed filing. Detailed filing data is available for this year.$59.1$0.67$58.4$3.38$3.20$0.17
2016Detailed filing. Detailed filing data is available for this year.$60.7$0.64$60.0$3.29$3.21$0.09
2015Detailed filing. Detailed filing data is available for this year.$60.2$0.41$59.8$3.11$3.26$0.15
2014Detailed filing. Detailed filing data is available for this year.$57.0$0.28$56.7$2.94$2.93$0.01
2013Detailed filing. Detailed filing data is available for this year.$56.0$0.30$55.7$3.10$3.15$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.7$0.28$55.4$3.55
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.0$0.52$55.5$2.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$0.22$46.5$3.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 31, 2025
Return Version
2024v5.2
Gross Receipts
$3,786,101
Mission and Program Overview

Mission

The Credit Union promotes thrift and provides a source of low-cost credit for individual members.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$57,353,082$55,240,764▼ $2,112,318
Other Notes and Loans Receivable, Net$28,659,507$26,803,002▼ $1,856,505
Investments in Publicly Traded Securities$20,614,379$21,042,210▲ $427,831
Rtn Earn Endowment Incm Other Fnds$7,011,255$7,930,229▲ $918,974
Cash and Non-Interest-Bearing Accounts$3,454,708$4,100,202▲ $645,494
Savings and Temporary Cash Investments$4,017,513$3,764,179▼ $253,334
Receivables From Officers Etc$2,694,511$2,932,593▲ $238,082
Land, Buildings, and Equipment, Net$2,354,451$2,243,031▼ $111,420
Prepaid Expenses and Deferred Charges$131,775$108,902▼ $22,873
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$64,767,949$63,532,666▼ $1,235,283
Other Assets Total$2,841,105$2,538,547▼ $302,558
Liabilities
Accounts Payable and Accrued Expenses$403,612$361,673▼ $41,939
Total Liabilities$403,612$361,673▼ $41,939
Net Assets / Fund Balance
Total Net Assets Fund Balance$64,364,337$63,170,993▼ $1,193,344
Total Liabilities and Net Assets / Fund Balance$64,767,949$63,532,666▼ $1,235,283

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$890,640$1,602,431$2,493,071
Land$1,310,061-$1,310,061
Equipment$42,330$373,968$416,298
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian VittekPresident & CEOFT$167,457$38,470$205,927
Walter SciolliCSOFT$119,344$646$119,990
Christina KailerCFOFT$98,233$3,709$101,942
Kristal MaynardVP Branch OpsFT$90,661$10,058$100,719

Board Members and Trustees

NameTitle
George Hamilton JrVice Chairman
John SmolenskiDirector
Lorenz BirkenbachDirector
Sherwood RamseyDirector
William LovelaceDirector
Joan MontgomerySecretary/Treas

Highest Paid Contractors

ContractorServicesLocationCompensation
FisPayment Processing347 RIVERSIDE AVENUE, Jacksonville, FL 32202$228,244
Cu AnswersCard Services6000 28TH STREET SE 100, Grand Rapids, MI 49546$170,215
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,107,872
Investment Income
$678,229
Other Revenue
$0
Change in Net Assets
$80,557

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,786,101
Total Revenue per Audited Statements
$3,786,101
Total Revenue per Form 990
$3,786,101
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,234,099
Salaries, Compensation, and Employee Benefits$1,471,445
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$724,817
Information Technology---$534,090
Interest---$533,906
Current Officers, Directors, Trustees, and Key Employees---$528,578
Depreciation Depletion---$125,372
Occupancy---$122,000
Fees for Services Accounting---$121,350
Office Expenses---$109,975
Payroll Taxes---$107,371
Other Employee Benefits---$87,965
Advertising---$68,012
Insurance---$33,914
Pension Plan Contributions---$22,714
Other Expenses---$12,077
Conferences and Meetings---$9,077
All Other Expenses---$2
Total Functional Expenses$0$0$0$3,705,544

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,705,544
Total Expenses per Audited Statements$3,705,544
Total Expenses per Form 990$3,705,544
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,694,511$2,932,593▲ $238,082
Receivables from Disqualified Persons-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 5,890 members.”

Form 990, Part VI, Section B, Line 11B

“The ceo and cfo review form 990 prior to filing. The board of directors reviews form 990 at the next regularly scheduled meeting.”

Form 990, Part VI, Section B, Line 12C

“The credit union monitors and enforces compliance with the conflict of interest policy through required disclosure if and when a conflict arises.”

Form 990, Part VI, Section B, Line 15A

“The credit union contracted with hr performance solutions to utilize their compease salary program. Compease matches industry-specific salary data with the credit union's geographic area. The executive compensation committee reviews this data, then makes recommendations to the board of directors for approval.”

Form 990, Part VI, Section C, Line 19

“The credit union provides its by-laws to members upon request. The conflict of interest policy is included in the employee manual and the director employee policy manual. It is not available to the public.the credit union posts unaudited monthly financial statements on a form prescribed by the national credit union administration in the lobby, and it provides the annual report with audited financial statemenst to members upon request. Form 5300 is posted on the ncua website.”

Filing and Contact Details

Filer

Filer Name
Destinations Credit Union
EIN
52-0238203
Phone
4106632500
Address
8767 SATYR HILL ROAD, BALTIMORE, MD 21234

Signing Officer

Name
Brian Vittek
Title
President & CEO
Signed
2025-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Vittek
Formed
1935
Legal Domicile
Md
Voting Board Members
6
Independent Board Members
6
Employees
21

Preparer

Firm
Smith Powell & Company LLC
Address
9980 S 300 W STE 200, SANDY, UT 84070
Preparer
Brandon R Zrno
Phone
8012857412
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Net decrease in shares = -$2112318”

Form 990, Part XI, Financial Statements and Reporting

“The supervisory committee is responsible for selection and oversight of the independent accountants.”

Raw XML AppendixShowing 400 of 516 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MTG,CC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SPLIT DOLLA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MTG,HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4MTG,AUTO,CC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6CREDIT CARD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8CC,SHARESEC
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BRIAN VITTEK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BRIAN VITTEK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2WALTER SCIOLLI

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