NATIONAL INSTITUTES OF HEALTH
Charter #3601 | MD
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
3 750M-1B in MD
NATIONAL INSTITUTES OF HEALTH has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.5% in tier
- + Wallet Share Momentum: Top 6.1% in tier
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 4.6% in tier
- - Stagnation Risk: Bottom 4.6% in tier
- - Efficiency Drag: Bottom 26.3% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 9.86% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Member Growth Rate: Bottom 4.5% in tier
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,690
-6.4% YoY-1.9% QoQ
|
-9.4K |
52,114
-2.1% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
30th in tier |
| Assets |
$814.3M
+2.8% YoY+0.5% QoQ
|
$-44.7M |
$859.0M
+0.0% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
30th in tier |
| Loans |
$494.9M
+1.1% YoY+0.9% QoQ
|
$-108.4M |
$603.4M
+1.0% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.1% in tier |
| Deposits |
$744.3M
+2.1% YoY+0.2% QoQ
|
+$10.2M |
$734.2M
+0.9% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
60th in tier |
| ROA |
0.5%
+222.0% YoY+16.6% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
33rd in tier |
| NIM |
3.6%
+7.0% YoY+1.6% QoQ
|
+0.2% |
3.4%
+9.6% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
84.4%
-5.2% YoY-0.3% QoQ
|
+9.9% |
74.5%
-3.2% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 16.1% in tier |
| Delinquency Rate |
0.2%
-55.2% YoY-3.1% QoQ
|
-0.6 |
0.8%
+5.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
66.5%
-1.0% YoY+0.7% QoQ
|
-16.2% |
82.7%
+0.1% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 17.0% in tier |
| AMR |
$29,029
+8.7% YoY+2.4% QoQ
|
+$378 |
$28,651
+2.5% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
62nd in tier |
| CD Concentration |
22.2%
+0.8% YoY-0.6% QoQ
|
-2.2% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
42nd in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#14 of 1006 • Top 0.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.72%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$5.9K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#168 of 1006 • Top 6.1% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.72%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Concerns (3)
Membership Headwinds
decline
#76 of 550 • Bottom 4.6% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-6.43%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#77 of 550 • Bottom 4.6% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.48%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-6.43%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$29.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
22.22%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Efficiency Drag
risk
#465 of 521 • Bottom 26.3% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
84.38%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.33% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-6.43%
(Tier:
0.88%, National:
9.37%)
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 16.60%
#1 of 112
Top 0.0% in 750M-1B tier
9
Total Delinquency Rate (60+ days)
risk
Value:
0.23%
Peer Avg: 0.82%
#9 of 112
Top 7.1% in 750M-1B tier
19
AMR Growth Rate
growth
Value:
8.72%
Peer Avg: 4.90%
#19 of 112
Top 16.1% in 750M-1B tier
23
Share Certificate Concentration (%)
balance_sheet
Value:
22.22%
Peer Avg: 28.34%
#23 of 112
Top 19.6% in 750M-1B tier
Top Weaknesses (6 metrics)
108
Member Growth Rate
growth
Value:
-6.43%
Peer Avg: 1.14%
#108 of 112
Bottom 4.5% in 750M-1B tier
103
Net Worth Ratio
risk
Value:
7.88%
Peer Avg: 11.52%
#103 of 112
Bottom 8.9% in 750M-1B tier
95
Efficiency Ratio
profitability
Value:
84.38%
Peer Avg: 74.52%
#95 of 112
Bottom 16.1% in 750M-1B tier
94
Total Loans
balance_sheet
Value:
$494.93M
Peer Avg: $603.36M
#94 of 112
Bottom 17.0% in 750M-1B tier
93
Loan-to-Share Ratio
balance_sheet
Value:
66.49%
Peer Avg: 82.66%
#93 of 112
Bottom 17.9% in 750M-1B tier
92
First Mortgage Concentration (%)
balance_sheet
Value:
46.56%
Peer Avg: 33.64%
#92 of 112
Bottom 18.8% in 750M-1B tier