St. Joseph Hospital Towson, MD · Charter 18651 · Peer group: credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (n=17-18)
NCUA · 2 branches
Q1 2025
$13.8M Assets
$3.8M Loans
$11.3M Shares
$2.5M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (rank 3 of 18). Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area (rank 17 of 17). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
-1.68%
Rank 17 of 18
Net Interest Margin
2.27%
Rank 17 of 18
Efficiency Ratio
168.60%
Rank 17 of 17
Equity / Assets
17.93%
Rank 3 of 18
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets -1.68% -0.04% 0.47% 0.83% Beats 6% 17 / 18 Return on Equity -9.40% -0.32% 3.06% 7.84% Beats 11% 16 / 18 Net Interest Margin 2.27% 3.14% 3.42% 3.76% Beats 6% 17 / 18 Efficiency Ratio 168.60% 77.72% 82.03% 86.56% Beats 6% 17 / 17 Asset Quality Nonperforming Loans / Loans 0.50% 0.25% 0.50% 1.45% Beats 50% 10 / 18 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 17.93% 9.04% 10.98% 13.35% Beats 83% 3 / 18 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 17.93% 9.04% 10.98% 13.35% Beats 83% 3 / 18 Liquidity & Funding Loans / Deposits 33.67% 44.78% 67.75% 75.93% 6th pctl 17 / 18 Loans / Assets 27.62% 40.53% 62.66% 67.55% 6th pctl 17 / 18 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Baltimore-Columbia-Towson, MD area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (17 to 18 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.28%, the median effective tax rate of the 2,787 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11