Johns Hopkins Federal Credit Union
Total assets
$648.6M
▲ +0.6% YoY
Shares & deposits
$548.5M
▲ +1.8% YoY
Loans
$344.5M
▲ +2.0% YoY
Members
46,114
▲ +3.6% YoY
ROA (annualized)
0.77%
peers 0.62%
ROE (annualized)
6.21%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.8% | -4.2 pts |
| Share growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +2.0% | +4.3% | -2.3 pts |
| ROA | 0.77% | 0.62% | +0.1 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
Profile
- Established
- 1971
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1501 S Clinton St Ste 1200, Baltimore, MD, 21224
- NCUA charter #
- 20623
- RSSD ID
- 662882
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $648.6M | $548.5M | $344.5M | $80.1M | $1.2M | 0.77% | 3.88% | 0.29% | 46,114 |
| Q4 2025 | $649.1M | $544.1M | $351.7M | $78.8M | $5.9M | 0.91% | 3.62% | 0.35% | 45,484 |
| Q3 2025 | $633.4M | $528.3M | $349.3M | $77.9M | $4.6M | 0.98% | 3.63% | 0.35% | 45,480 |
| Q2 2025 | $637.5M | $528.6M | $350.0M | $76.1M | $2.9M | 0.90% | 3.49% | 0.46% | 44,855 |
| Q1 2025 | $644.9M | $538.6M | $337.8M | $74.4M | $1.2M | 0.73% | 3.33% | 0.25% | 44,503 |
| Q4 2024 | $625.1M | $522.8M | $342.4M | $73.2M | $3.8M | 0.62% | 3.19% | 0.43% | 43,887 |
| Q3 2024 | $612.1M | $506.3M | $341.5M | $72.5M | $2.8M | 0.60% | 3.21% | 0.36% | 44,028 |
| Q2 2024 | $616.5M | $515.6M | $342.2M | $71.7M | $2.0M | 0.65% | 3.13% | 0.33% | 43,535 |
Loan mix (Q1 2026): real estate $210.5M · commercial $0 · consumer $132.4M · securities $204.4M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.62% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.48% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 78.3% | 73th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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