Federal credit union · Cincinnati, Ohio · NCUA charter #20186
Children's Medical Center
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $45.8M
- Total assets
- 5,908
- Members
- 20.0%
- Net-worth ratio
Children's Medical Center scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.8M; members 5,908; net-worth ratio 20.01%; health rank #1,383 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,383 of 4,374 health · 2025Q4Children's Medical Center · health 88/100 · $45.8M · 2025Q4
- MEM 88/100
- RANK 20.0%
- PHOTO 0.51%
- BOOK 1.13%
- CHARTER $45.8M
- NCUSIF 5,908
- CAMELS #1,383/4,374
- HEALTH Southern Middlesex Co Tchrs
- NW 20186
Call Report peers
Children's Medical Center in the assets neighbourhood
Children's Medical Center's $45.8M assets sit next to Southern Middlesex Co Tchrs ($45.8M) 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.
Children's Medical Center 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
88 Top 35% higher than 65% 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
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.
Peer-gap read for Children's Medical Center
- Largest favorable gap: Net Worth Ratio at 20.01% vs peer 14.86% (+5.15 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.72 pp (45.08% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Children's Medical Center sits in Ohio
- Health composite ranks #62 of 196 among scored Ohio credit unions.
- Ohio assets place: #107 of 196.
- Ohio membership ordinal: #90 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Children's Medical Center: 2025Q4 → 2026Q1
Children's Medical Center: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $45.8M (2025Q4) to $46.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (20.02% → 20.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 10.1 pts
Children's Medical Center vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.01% | +5.15 pp |
| Delinquency Rate | 0.51% | -0.63 pp |
| Return on Assets | 1.13% | +0.42 pp |
| Member Growth | -0.57% | - |
| Loan-to-Share Ratio | 45.08% | -14.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Children's Medical Center.
| Office | City |
|---|---|
| Main Office (Main Office) | Cincinnati, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M82Health
- FIRST OHIO COMMUNITYNorth Canton, OH · $10M–$50M83Health
Compare Children's Medical Center vs PAINESVILLE CREDIT UNION
Other-state peers near Children's Medical Center
Two NCUA Call Report peer sets for Children's Medical Center, both outside Ohio 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 ($45.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Children's Medical Center ranks #1,383 of 4,374 nationally on financial health and #62 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Painesville Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Painesville Credit Union
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,383 of 4,374; by total assets it ranks #2,473 of 4,374 nationally (same basis as /rankings/largest); and #107 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.01% 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 20.01% 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.
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.