JOHNS HOPKINS

Charter #20623 | MD

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in MD

JOHNS HOPKINS has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 10.5% in tier
  • + Organic Growth Leader: Top 11.5% in tier
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 25.4% in tier
  • - Efficiency Drag: Bottom 28.1% in tier
  • - Efficiency ratio 2.42% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 45,480
+3.3% YoY+1.4% QoQ
 +5.7K 39,752
-2.7% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $633.4M
+3.5% YoY-0.6% QoQ
 +$11.0M $622.4M
+0.3% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 55th in tier
Loans $349.3M
+2.3% YoY-0.2% QoQ
 $-86.6M $435.9M
-0.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Bottom 15.4% in tier
Deposits $528.3M
+4.4% YoY-0.1% QoQ
 $-9.7M $538.0M
+1.3% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA 1.0%
+62.4% YoY+8.3% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Top 23.7% in tier
NIM 3.6%
+12.9% YoY+4.1% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 80.5%
-3.1% YoY-1.1% QoQ
 +2.4% 78.1%
-3.4% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 0.4%
-3.8% YoY-24.3% QoQ
 -0.4 0.8%
-4.9% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Bottom 20.7% in tier
Loan To Share 66.1%
-2.0% YoY-0.2% QoQ
 -14.9% 81.0%
-1.8% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 Bottom 14.2% in tier
AMR $19,297
+0.2% YoY-1.5% QoQ
 $-7K $26,482
+2.6% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 12.4% in tier
CD Concentration 17.2%
+25.0% YoY+1.5% QoQ
 -7.2% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 Bottom 24.9% in tier
Indirect Auto % 4.1%
+16.2% YoY+36.5% QoQ
 -9.8% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 44th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#193 of 603 • Top 10.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.30%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.97%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 4.13%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#152 of 430 • Top 11.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.30%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (2)

Liquidity Overhang

risk
#394 of 552 • Bottom 25.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.29%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 66.12%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Efficiency Drag

risk
#496 of 521 • Bottom 28.1% in tier

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

Why This Signature
Efficiency Ratio: 80.52%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.37% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 3.30%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

18
Share Certificate Concentration (%)
balance_sheet
Value: 17.23%
Peer Avg: 26.87%
#18 of 169 Top 10.1% in 500M-750M tier
35
Member Growth Rate
growth
Value: 3.30%
Peer Avg: 1.75%
#35 of 169 Top 20.1% in 500M-750M tier
35
Members Per Employee (MPE)
engagement
Value: 392.069
Peer Avg: 338.010
#35 of 169 Top 20.1% in 500M-750M tier
36
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.80%
#36 of 169 Top 20.7% in 500M-750M tier
40
Return on Assets (ROA)
profitability
Value: 0.97%
Peer Avg: 0.66%
#40 of 169 Top 23.1% in 500M-750M tier
42
Net Worth Ratio
risk
Value: 12.29%
Peer Avg: 10.94%
#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (4 metrics)

148
Average Member Relationship (AMR)
engagement
Value: $19,297
Peer Avg: $26,482
#148 of 169 Bottom 13.0% in 500M-750M tier
148
Loan-to-Member Ratio (LMR)
engagement
Value: $7,681
Peer Avg: $11,805
#148 of 169 Bottom 13.0% in 500M-750M tier
145
Loan-to-Share Ratio
balance_sheet
Value: 66.12%
Peer Avg: 81.02%
#145 of 169 Bottom 14.8% in 500M-750M tier
143
Total Loans
balance_sheet
Value: $349.31M
Peer Avg: $435.95M
#143 of 169 Bottom 16.0% in 500M-750M tier