BlastPoint's Credit Union Scorecard

JOHNS HOPKINS

Charter #20623 · MD

Community 500M-750M

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

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JOHNS HOPKINS has 4 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 30.0% in tier
+ Organic Growth Leader: Top 32.9% in tier
+ ROA 0.27% above tier average
+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 96.5% in tier
- Efficiency ratio 2.62% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	45,484 +3.6% YoY+0.0% QoQ	+6.9K	38,575 -4.8% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	76%
Assets	$649.1M +3.8% YoY+2.5% QoQ	+$27.4M	$621.7M +0.1% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	60%
Loans	$351.7M +2.7% YoY+0.7% QoQ	$-78.1M	$429.8M -1.8% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	16%
Deposits	$544.1M +4.1% YoY+3.0% QoQ	+$5.4M	$538.7M +0.6% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	54%

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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	0.9% +48.6% YoY-5.1% QoQ	+0.3%	0.7% +42.9% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	72%
NIM	3.7% +13.6% YoY+1.3% QoQ	+0.2%	3.4% +8.0% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	80.1% -2.4% YoY-0.5% QoQ	+2.6%	77.5% -4.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	59%
Delinquency Rate	0.4% -17.0% YoY+1.1% QoQ	-0.5	0.8% -1.1% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	16%
Loan To Share	64.6% -1.3% YoY-2.3% QoQ	-15.2%	79.8% -2.3% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	Bottom 12.7% in tier
AMR	$19,695 -0.1% YoY+2.1% QoQ	$-7K	$26,849 +2.7% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	Bottom 10.9% in tier
CD Concentration	17.4% +12.4% YoY+1.2% QoQ	-7.0%	24.4%	20.4%	19.8%	25%
Indirect Auto %	3.8% +14.4% YoY-7.9% QoQ	-10.0%	13.8%	7.3%	7.8%	43%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#179 of 595 • Top 30.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.64%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.92%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 3.80%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#141 of 426 • Top 32.9% in tier

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

Why This Signature

Member Growth (YoY): 3.64%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 3.80%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#519 of 538 • Bottom 96.5% in tier

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

Why This Signature

Efficiency Ratio: 80.13%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 3.64%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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 165 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 17.43%

Peer Median: -

#20 of 165 Top 11.5% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#27 of 165 Top 15.8% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 398.982

Peer Median: -

#27 of 165 Top 15.8% in 500M-750M tier

Member Growth Rate

growth

Value: 3.64%

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Total Members

engagement

Value: 45,484

Peer Median: -

#39 of 165 Top 23.0% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.15%

Peer Median: -

#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (5 metrics)

147

Average Member Relationship (AMR)

engagement

Value: $19,695

Peer Median: -

#147 of 165 Bottom 11.5% in 500M-750M tier

144

Loan-to-Share Ratio

balance_sheet

Value: 64.63%

Peer Median: -

#144 of 165 Bottom 13.3% in 500M-750M tier

143

Loan-to-Member Ratio (LMR)

engagement

Value: $7,732

Peer Median: -

#143 of 165 Bottom 13.9% in 500M-750M tier

138

Total Loans

balance_sheet

Value: $351.68M

Peer Median: -

#138 of 165 Bottom 17.0% in 500M-750M tier

133

AMR Growth Rate

growth

Value: -0.10%

Peer Median: -

#133 of 165 Bottom 20.0% in 500M-750M tier