Johns Hopkins Federal Credit Union Baltimore, Maryland
Johns Hopkins Federal Credit Union is a federal credit union headquartered in Baltimore, MD, established in 1971 (NCUA charter 20623), and it is regulated and insured by the NCUA. At Q2 2026 it reported 46,276 members and total assets of $637.3M (little changed from Q2 2025), the 15th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 12.70% at Q2 2026, in the well capitalized band.
Also written as Johns Hopkins FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20623
- Headquarters
- Baltimore, MD
- Established
- 1971
- Total assets, Q2 2026
- $637.3M
- Assets vs Q2 2025
- 0.0%
- Members, Q2 2026
- 46,276
- Net worth ratio, Q2 2026
- 12.70%
- Latest call report
- Q2 2026, NCUA 5300 · Johns Hopkins Federal Credit Union call report
- Asset rank in state
- 15th of 58 in Maryland
- Routing number
- 252076235
- Branches
- 4
It has 1,421 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 0.77 percentage points from 11.93% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $211.3M of $342.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.70% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Maryland
Frequently asked about Johns Hopkins Federal Credit Union
How big is Johns Hopkins Federal Credit Union?
At Q2 2026 it reported total assets of $637.3M and 46,276 members.
Where is Johns Hopkins Federal Credit Union headquartered?
It is headquartered in Baltimore, MD, United States.
When was Johns Hopkins Federal Credit Union founded?
It was established in 1971, per NCUA records.
Is Johns Hopkins Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20623): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Johns Hopkins Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Johns Hopkins Federal Credit Union well capitalized?
Its net worth ratio was 12.70% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Johns Hopkins Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Johns Hopkins Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.54% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Baltimore, MD 21205
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1971
- NCUA Charter #
- 20623
- RSSD ID
- 662882
- Members
- 46,276
- Potential members
- 365,732
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.70% | 11.43% | 65th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.52% | 0.81% | 31st below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.10% | 7.02% | 27th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.03% | 3.70% | 71st above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 86.75% | 76.55% | 18th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.81% | 1.24% | 81st top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.65% | 0.68% | 53rd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.84% | 4.92% | 45th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 62.54% | 75.66% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$637.3M total assets against $637.5M; $547.1M total shares and deposits against $528.6M; $342.2M total loans against $350.0M.
$80.9M net worth against $76.1M.
12.70% net worth ratio against 11.93%.
62.54% loan-to-share ratio against 66.22%.
0.65% delinquency ratio against 0.46%.
0.52% return on assets against 1.07%; 4.10% return on equity against 8.97%.
4.03% net interest margin against 3.62%.
46,276 members against 44,855.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.70% | 0.52% | 0.65% | 62.54% |
| March 31, 2026 | 12.35% | 0.77% | 0.29% | 62.81% |
| December 31, 2025 | 12.15% | 0.79% | 0.35% | 64.63% |
| September 30, 2025 | 12.29% | 1.11% | 0.35% | 66.12% |
| June 30, 2025 | 11.93% | 1.07% | 0.46% | 66.22% |
| March 31, 2025 | 11.53% | 0.73% | 0.25% | 62.71% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.