Federal credit union · Cincinnati, Ohio · NCUA charter #20186
Children's Medical Center
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $45.8M
- Total assets
- 5,908
- Members
- 18.9%
- Net-worth ratio
Children's Medical Center - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20186, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Children's Medical Center - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth53
- Liquidity (loan-to-share)67
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.93% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | 1.13% | 15% |
| Member Growth | -0.57% | 15% |
| Loan-to-Share Ratio | 45.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $45.8M | 5,908 |
| 2024Q4 | $43.1M | 5,942 |
| 2023Q4 | $43.8M | 6,069 |
Credit Union Details
- Charter Number
- 20186
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
What This Data Says About Children's Medical Center
Headquartered in Cincinnati, Ohio, Children's Medical Center is a federal credit union with 5,908 members, $45.8M in total assets, and $16.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 18.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #20186 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.51% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 45.08% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.13% on net income of $515K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.57%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
- PAINESVILLE CREDIT UNIONPainesville, OH · $10M–$50M100Health
- TOLEDO FIRE FIGHTERSToledo, OH · $10M–$50M92Health
- FIRSTENERGY FAMILYAkron, OH · $10M–$50M90Health
- ALL SAINTSParma, OH · $10M–$50M76Health
- FIRST OHIO COMMUNITYNorth Canton, OH · $10M–$50M83Health
Compare Children's Medical Center vs PAINESVILLE CREDIT UNION
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Children's Medical Center financially healthy?
Children's Medical Center has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.93% and delinquency rate of 0.51%.
How does Children's Medical Center compare to other credit unions?
88/100 is Children's Medical Center's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Children's Medical Center?
Children's Medical Center 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 Children's Medical Center directly for the exact boundaries and application steps.
Is my money safe at Children's Medical Center?
Federal credit unions like Children's Medical Center 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. Children's Medical Center's net worth ratio of 18.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Children's Medical Center offer compared to banks?
Credit unions like Children's Medical Center 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 Children's Medical Center directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.