BlastPoint's Credit Union Scorecard
JOHNS HOPKINS
Charter #20623 · MD
JOHNS HOPKINS has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 19.8% in tier
- + Organic Growth Engine: Top 19.8% in tier
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.8% in tier
- - Credit Quality Pressure: Bottom 26.8% in tier
- - Shrinking Wallet Share: Bottom 89.7% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 8.59% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Maryland.
- Shares and deposits +3.5% year over year ($547M in shares and deposits).
- Membership: 46,276 members, +3.2% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.64%.
- Efficiency ratio 85.15% vs a 76.56% peer average.
- Loan-to-share ratio 62.54% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,276
+3.2% YoY+0.4% QoQ
|
+8.4K |
37,897
-5.0% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$637.3M
-0.0% YoY-1.7% QoQ
|
+$14.9M |
$622.4M
+0.6% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$342.2M
-2.2% YoY-0.7% QoQ
|
$-86.3M |
$428.5M
-0.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$547.1M
+3.5% YoY-0.3% QoQ
|
+$7.3M |
$539.8M
+0.9% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.6%
-28.3% YoY-15.9% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
4.0%
+13.9% YoY+1.9% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
85.2%
+4.6% YoY+1.9% QoQ
|
+8.6% |
76.6%
-3.6% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.6%
+40.3% YoY+127.2% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
62.5%
-5.6% YoY-0.4% QoQ
|
-16.8% |
79.3%
-1.4% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.5% in tier |
| AMR |
$19,216
-1.9% YoY-0.8% QoQ
|
$-8K |
$27,294
+4.1% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.3% in tier |
| CD Concentration |
19.8%
+16.6% YoY+5.6% QoQ
|
-4.8% | 24.6% | 21.7% | 20.0% | 33% |
| Indirect Auto % |
3.3%
+10.4% YoY-6.6% QoQ
|
-10.3% | 13.6% | 7.3% | 7.7% | 42% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)