PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Johns Hopkins

Baltimore, MD · Charter 20623

NCUA · 4 branches

Q2 2026

$637.3MAssets
$342.2MLoans
$547.1MShares
$80.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, down 25 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.65% of loans (+19 bps YoY).
  • Capital: net worth / assets of 12.70%, up 76 bps from a year ago.
  • Funding: loans stand at 62.54% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.65%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+50 bps YoY

Efficiency Ratio (YTD, annualized)

85.15%+373 bps YoY

Net Worth / Assets

12.70%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.62%0.73%0.90%0.98%0.91%0.77%0.65%-25 bps
Return on Equity5.08%5.25%6.32%7.58%7.94%7.51%6.21%5.12%-245 bps
Net Interest Margin3.21%3.19%3.33%3.49%3.63%3.62%3.88%3.99%+50 bps
Efficiency Ratio83.13%82.14%83.49%81.42%80.52%80.13%83.53%85.15%+373 bps
Growth
Asset Growth (YoY)-0.87%1.96%2.68%3.41%3.49%3.85%0.58%-0.04%-345 bps
Loan Growth (YoY)-3.59%-3.15%-2.41%2.30%2.29%2.70%2.00%-2.25%-454 bps
Share Growth (YoY)-2.21%1.15%1.75%2.52%4.36%4.09%1.83%3.50%+98 bps
Asset Quality
Delinquent Loans / Loans0.36%0.43%0.25%0.46%0.35%0.35%0.29%0.65%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.84%11.72%11.54%11.94%12.29%12.15%12.35%12.70%+76 bps
Net Worth / Assets11.84%11.72%11.54%11.94%12.29%12.15%12.35%12.70%+76 bps
Liquidity & Funding
Loans / Shares67.45%65.51%62.71%66.22%66.12%64.63%62.81%62.54%-368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps