BlastPoint's Credit Union Scorecard

JOHNS HOPKINS

Charter #20623 · MD

Community 500M-750M

169 CUs in 500M-750M nationally 6 in MD

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JOHNS HOPKINS has 5 strengths but faces 2 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 Engine: Top 10.5% in tier
+ Organic Growth Leader: Top 11.5% in tier
+ Credit Quality Leader: Top 86.4% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- 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	72%
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	55%
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	15%
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	44%

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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	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	76%
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	64%
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	62%
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	21%
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	25%
Indirect Auto %	4.1% +16.2% YoY+36.5% QoQ	-9.8%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	44%

Signature Analysis

Strengths (3)

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: 13.97%, National: 7.90%)

better than tier avg

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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.30%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 4.13%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Credit Quality Leader

growth

#294 of 340 • Top 86.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (1)

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

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 17.23%

Peer Avg: -

#18 of 169 Top 10.1% in 500M-750M tier

Member Growth Rate

growth

Value: 3.30%

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 392.069

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Avg: -

#36 of 169 Top 20.7% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 0.97%

Peer Avg: -

#40 of 169 Top 23.1% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.29%

Peer Avg: -

#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: -

#148 of 169 Bottom 13.0% in 500M-750M tier

148

Loan-to-Member Ratio (LMR)

engagement

Value: $7,681

Peer Avg: -

#148 of 169 Bottom 13.0% in 500M-750M tier

145

Loan-to-Share Ratio

balance_sheet

Value: 66.12%

Peer Avg: -

#145 of 169 Bottom 14.8% in 500M-750M tier

143

Total Loans

balance_sheet

Value: $349.31M

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier