Federal credit union · Baltimore, Maryland · NCUA charter #20623
Johns Hopkins
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $649.1M
- Total assets
- 45,484
- Members
- 12.3%
- Net-worth ratio
Johns Hopkins scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $649.1M; members 45,484; net-worth ratio 12.35%; health rank #177 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#177 of 4,374 health · 2025Q4Johns Hopkins · health 97/100 · $649.1M · 2025Q4
- CAMELS 97/100
- HEALTH 12.3%
- NW 0.35%
- DELQ 0.59%
- ROA $649.1M
- ASSETS 45,484
- MEM #177/4,374
- RANK Premier One
- PHOTO 20623
Call Report peers
Johns Hopkins in the assets neighbourhood
Johns Hopkins's $649.1M assets sit next to Premier One ($650.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Johns Hopkins vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Johns Hopkins - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20623: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Johns Hopkins
- Largest favorable gap: Net Worth Ratio at 12.35% vs peer 11.18% (+1.17 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.27 pp (64.63% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maryland standing for Johns Hopkins
- In Maryland, health place is #2 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #14 of 62 inside Maryland ($649.1M reported).
- Maryland membership ordinal: #12 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Johns Hopkins Call Report trajectory
Johns Hopkins: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $649.1M (2025Q4) to $648.6M (2026Q1).
- Net-worth ratio shifted +0.20 pp (12.15% → 12.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 13.6 pts
Johns Hopkins health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.35% | +1.17 pp |
| Delinquency Rate | 0.35% | -0.52 pp |
| Return on Assets | 0.59% | +0.08 pp |
| Member Growth | 3.64% | - |
| Loan-to-Share Ratio | 64.63% | -19.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Johns Hopkins
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $648.6M | - |
| 2025Q4 | $649.1M | 45,484 |
| 2024Q4 | $625.1M | 43,887 |
| 2023Q4 | $613.1M | 42,957 |
Credit Union Details
- Charter Number
- 20623
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- Baltimore
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Johns Hopkins runs 4 offices.
| Office | City |
|---|---|
| Canton (Main Office) | Baltimore, MD |
| Bayview Branch | Baltimore, MD |
| Homewood Branch at Charles Commons | Baltimore, MD |
| East Baltimore | Baltimore, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Johns Hopkins nationwide neighbourhoods
Two NCUA Call Report peer sets for Johns Hopkins, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($649.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Johns Hopkins ranks #177 of 4,374 nationally on financial health and #2 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Peoples Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Peoples Community
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Johns Hopkins financially healthy?
Johns Hopkins has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #177 of 4,374; by total assets it ranks #650 of 4,374 nationally (same basis as /rankings/largest); and #14 of 62 within Maryland. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.35% and delinquency rate of 0.35%.
How does Johns Hopkins compare to other credit unions?
97/100 is Johns Hopkins's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Johns Hopkins?
Johns Hopkins operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Johns Hopkins directly for the exact boundaries and application steps.
Is my money safe at Johns Hopkins?
Federal credit unions like Johns Hopkins are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Johns Hopkins's net worth ratio of 12.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Johns Hopkins offer compared to banks?
Credit unions like Johns Hopkins are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Johns Hopkins directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.