# JOHNS HOPKINS
Baltimore, MD · NCUA charter 20623 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/johns-hopkins-20623

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 46,114 members of 365,732 potential (12.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $648.6M |
| Members | 46,114 (3.6% YoY) |
| Full-time staff | 118 |
| Net worth | $80.1M |
| Net worth ratio | 12.3% (p75 of band) |
| ROA (annualized) | 0.77% (p61 of band) |
| Total delinquency | 0.29% (p21 of band) |
| Net charge-offs (annualized) | 0.33% (p41 of band) |
| Loans / shares | 63% (p14 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.93% |
| Net interest margin | 3.88% (p79 of band) |
| Operating expense / assets | 4.29% (p81 of band) |
| Vehicles % of loans | 28% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 24% (p27 of band) |
| Vehicle delinquency | 0.13% (p6 of band) |
| Vehicle NCO | 0.26% (p15 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 19% |
| Average share balance | $6,173 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.1M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $16,431 |
| Loans granted, annualized | $60.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.1M outstanding purchased (8.8% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-29 [Hopkins Athletics Renews Partnership with Johns Hopkins Federal Credit Union - Johns Hopkins University Athletics](https://news.google.com/rss/articles/CBMiygFBVV95cUxQelVaQnVlVDVzZm1UdkpfdG9mUXJ5RldvR0NEa0Q3ckxLbG8xUlhiWlh5U09RMUF3UlBPNGc5Ny1hUVhJU18wd3JHdkUyb1FxYUhoYUxaWEFmZEM1NzUtWE82WU56MHdsRkRTdzhkczVtUXdsTm1RTGFPRDl0TGJhcmhFRnczVHd1bFFBT1ZNaXN1a1lPNFp3WHJkZzBuclE3bmYxNDNtNy1Wby1IRUQ4V3c1TDRuNDl1VGRWVEVMX2Q0UWZVQ3h3ZHdR?oc=5) · Johns Hopkins University Athletics
- 2026-06-23 [Local credit union looks to double branch count - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNa1h6d0xlV0dMX21fdUlrQW11OE1hc1BWdjloVWNNSGtpZ0Q3WGZVS2YxUHVieFNGcGcteTlaWE82UjhQN25QTGxuUkEta1AxX1ZHdWdDVG0ya0ZjbkFOWnl1QzFiRFIwa2Vzdm5DV0wwQk9SRk1wbVFhTUN0OUctV0pKalJPVWc3ZERZSDRZZDctbGdkMlllVjJIMXl5M3Y5V3dnWDh3?oc=5) · The Business Journals
- 2026-07-31 [Keith C. O’Neil Jr. - Maryland Daily Record](https://news.google.com/rss/articles/CBMie0FVX3lxTE9kXzJIWGp6SE9wRDJHczNDUzFjTFdOVDhaSWFINEN5SlZFZ3dsQTJkZXhTR3NGRWxmX0l1eUtpdlhYZ2tOdDNRSjlUVHNsNk9sdVBnNEFVYVJzSnFRUVdLeUVpNGtrYmJXdmpfQVNEMEE2OFRvU05nVXpFQQ?oc=5) · Maryland Daily Record
- 2026-03-27 [Peake Federal Credit Union appoints Stacie Sloan as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPcFMtUlY3dlFnajNUSWRtMWJmaXhhbTRuWkptaWZVRHZMbkxkWlJMY0x0NWFKSEp1am8yb3RxaTJXLVF0ZU16em4tck9Yci1KSEY4SGctOTFWZDJmdFlUWlhDaTV4bFZnY0V1cDUyZUwyVXRzTDFJZlFGSkhLcG1vVDlKdzViZ0MyTkhOS2R0T2JvQTVJTlp1VnBJRzdNaXlESC1TZUdDNDRHQQ?oc=5) · CUInsight
- 2025-12-30 [KEITH C. O’NEIL JR. - Maryland Daily Record](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9KSEx5aUI4bkNFVTFtVHBiNC1HTHBOY3BGMFFUX0NsVC14RGY5a2lrNVdWT3JXUVQ5aWZkalBlX3BIMVRtWHlZSVlwTEltS1RKSlRCMkN1b0JjVVllWHQzQWRlLV9iT0VF?oc=5) · Maryland Daily Record
- 2026-02-19 [2025 Women Who Move Maryland Luncheon - Baltimore Magazine](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaGhoMzE4eGFDYjVfdjhlNG5aM0Y2bFpfYzhOVTNFTEJka21UYnVoa3A1aWtDWUlnVmphOGhFelA0bG44WFhOLS1BWk9kdnFHek5GTW9tUy0wTmlVTG9UT3JGUWJsZkxkVklGbHhjc21ta1lBaloySXBCamdJUVlGZXV3VFM?oc=5) · Baltimore Magazine
- 2025-11-26 [CEO brings family's immigrant story to leadership of credit union - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNSHZnWk1QbXRjb1VCeVBRV2FRVXY1YnJNaC15SXdaVkR1a21ZaDQ4emtkZGtYcjBxNllkVzcyRHpnLVp5Q3B6YWdWU01HSlhtRTh5bmpiVU9jQVlJdmwtN3BoOXVnYW1TVlZ1V0pMUEZGejNTRmpCY0RHdmJrbVcwU3ZRLWdpaXFSQkhad1kxZjNSSFpWdWR2eXpNaXRqSFJJazV1OC1LYnpYQWU5?oc=5) · The Business Journals
- 2025-09-16 [Johns Hopkins Federal Credit Union welcomes Kris Callahan as vice president of people & culture - CUInsight](https://news.google.com/rss/articles/CBMizwFBVV95cUxQWGNTLTVZY3FxN00zcXViT0xFTDAtNkF6MmJhN0tnbVJSREk4ZFJzeVR1cW02eDY4TG1FMzFIRmVXNnVxRElZQXZiYXpjc0lBVTBJcTNTWnVhYW84bDFFU19fYjBiSzllUXdlOTYyaXVnRVhJMGZNRVM0ZTJkMXItVXlLRzlSR084S2JwN0FwRVRWVHJNSkVpYjNxaDY1VFFwN2VHN01WUXdMa01QTUs2ZXJqUGhEbWJrbWNCLUdick1NZml1YUhhVTd4Sy1XYk0?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20623 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/15.json (key "20623", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20623
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide