JOHNS HOPKINS
Charter #20623 · Baltimore, MD · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.88% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.53% sits at the 79th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 54th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | JOHNS HOPKINS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $648.58M | 36th pct | 38th pct |
| Members | 46,114 | 64th pct | 56th pct |
| Net worth ratio | 12.35% | 75th pct | 54th pct |
| Return on average assets | 0.77% | 60th pct | 59th pct |
| Net interest margin | 3.88% | 76th pct | 92th pct |
| Cost of funds | 0.91% | 20th pct | 26th pct |
| Loan-to-share | 62.81% | 13th pct | 31th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 28th pct |
| Net charge-off ratio | 0.33% | 41th pct | 41th pct |
| Loan growth YoY | -1.37% | 22th pct | 23th pct |
| Share growth YoY | 3.82% | 47th pct | 48th pct |
| Efficiency ratio | 83.53% | 73th pct | 79th pct |
structural peer set hash: 182e6d9ece855d551e9ffbc2bd0baa67… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.