BlastPoint's Credit Union Scorecard

JOHNS HOPKINS

Charter #20623 · MD

Community 500M-750M

167 CUs in 500M-750M nationally 7 in MD

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JOHNS HOPKINS has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 17.2% in tier
+ Organic Growth Engine: Top 17.2% in tier
+ ROA 0.08% above tier average
+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 31.5% in tier
- Credit Quality Pressure: Bottom 46.2% in tier
- Credit Risk Growth: Bottom 57.4% in tier
- Shrinking Wallet Share: Bottom 87.9% in tier
- Efficiency ratio 5.14% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	46,114 +3.6% YoY+1.4% QoQ	+8.0K	38,079 -4.8% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	81%
Assets	$648.6M +0.6% YoY-0.1% QoQ	+$28.9M	$619.7M -0.2% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	60%
Loans	$344.5M +2.0% YoY-2.0% QoQ	$-74.8M	$419.3M -1.4% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	19%
Deposits	$548.5M +1.8% YoY+0.8% QoQ	+$9.0M	$539.5M -0.1% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +3.5% YoY-17.0% QoQ	+0.1%	0.7% +36.0% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	63%
NIM	3.9% +14.8% YoY+6.0% QoQ	+0.4%	3.5% +4.5% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	83.5% +0.1% YoY+4.2% QoQ	+5.1%	78.4% -3.7% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.3% +15.0% YoY-19.4% QoQ	-0.4	0.7% -0.9% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	21%
Loan To Share	62.8% +0.2% YoY-2.8% QoQ	-14.9%	77.7% -1.2% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	Bottom 13.8% in tier
AMR	$19,366 -1.7% YoY-1.7% QoQ	$-8K	$26,927 +3.1% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	Bottom 9.6% in tier
CD Concentration	18.7% +13.7% YoY+7.5% QoQ	-5.5%	24.3%	21.1%	19.8%	30%
Indirect Auto %	3.6% +15.9% YoY-5.9% QoQ	-10.2%	13.8%	7.3%	7.7%	43%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#128 of 371 • Top 17.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.58%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#173 of 352 • Top 17.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 3.58%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#304 of 596 • Bottom 31.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.53%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.62%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#163 of 238 • Bottom 87.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.67%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#616 of 727 • Bottom 46.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#456 of 476 • Bottom 57.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.00%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 167 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 3.62%

Peer Median: 1.03%

#25 of 167 Top 14.4% in 500M-750M tier

Total Members

engagement

Value: 46,114

Peer Median: 36,874

#31 of 167 Top 18.0% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 390.797

Peer Median: 318.730

#31 of 167 Top 18.0% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.88%

Peer Median: 3.48%

#34 of 167 Top 19.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.74%

Peer Median: 26.29%

#35 of 167 Top 20.4% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.62%

#36 of 167 Top 21.0% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.35%

Peer Median: 10.35%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (6 metrics)

151

Average Member Relationship (AMR)

engagement

Value: $19,366

Peer Median: $25,600

#151 of 167 Bottom 10.2% in 500M-750M tier

148

Loan-to-Member Ratio (LMR)

engagement

Value: $7,471

Peer Median: $11,231

#148 of 167 Bottom 12.0% in 500M-750M tier

147

AMR Growth Rate

growth

Value: -1.67%

Peer Median: 4.03%

#147 of 167 Bottom 12.6% in 500M-750M tier

144

Loan-to-Share Ratio

balance_sheet

Value: 62.81%

Peer Median: 79.97%

#144 of 167 Bottom 14.4% in 500M-750M tier

135

Total Loans

balance_sheet

Value: $344.54M

Peer Median: $427.27M

#135 of 167 Bottom 19.8% in 500M-750M tier

133

Asset Growth Rate

growth

Value: 0.58%

Peer Median: 4.66%

#133 of 167 Bottom 21.0% in 500M-750M tier