BlastPoint's Credit Union Scorecard

CHILDREN'S MEDICAL CENTER

Charter #20186 · OH

<100M

2508 CUs in <100M nationally 116 in OH

CHILDREN'S MEDICAL CENTER demonstrates 4 strengths

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.40% above tier average
+ Members Per Employee (MPE): Top 0.4% in tier
+ Efficiency Ratio: Top 4.3% in tier
+ Total Members: Top 9.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,908 -0.6% YoY0% QoQ	+3.2K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 9.1% in tier
Assets	$46.7M +4.2% YoY+2.1% QoQ	+$16.5M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	75%
Loans	$15.7M -9.8% YoY-2.7% QoQ	+$453K	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	64%
Deposits	$37.1M +3.1% YoY+3.5% QoQ	+$11.4M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +239.9% YoY-7.2% QoQ	+1.4%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	Top 13.8% in tier
NIM	2.7% +75.2% YoY-5.2% QoQ	-1.3%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Bottom 11.2% in tier
Efficiency Ratio	49.0% -34.5% YoY+3.3% QoQ	-41.6%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	Top 4.3% in tier
Delinquency Rate	0.7% +477.2% YoY+33.3% QoQ	-0.8	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	52%
Loan To Share	42.4% -12.5% YoY-6.0% QoQ	-16.1%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	25%
AMR	$8,951 -0.5% YoY+1.6% QoQ	$-6K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	23%
CD Concentration	17.1% +64.6% YoY+11.2% QoQ	-7.2%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 1477.000

Peer Median: 333.750

#11 of 2508 Top 0.4% in <100M tier

109

Efficiency Ratio

profitability

Value: 49.02%

Peer Median: 81.45%

#109 of 2508 Top 4.3% in <100M tier

229

Total Members

engagement

Value: 5,908

Peer Median: 1,918

#229 of 2508 Top 9.1% in <100M tier

347

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: 0.61%

#347 of 2508 Top 13.8% in <100M tier

550

Net Worth Ratio

risk

Value: 20.01%

Peer Median: 14.28%

#550 of 2508 Top 21.9% in <100M tier

628

Total Assets

balance_sheet

Value: $46.72M

Peer Median: $21.86M

#628 of 2508 Top 25.0% in <100M tier

Top Weaknesses (6 metrics)

2227

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.83%

#2227 of 2508 Bottom 11.2% in <100M tier

2105

First Mortgage Concentration (%)

balance_sheet

Value: 35.75%

Peer Median: 3.66%

#2105 of 2508 Bottom 16.1% in <100M tier

1990

Loan-to-Member Ratio (LMR)

engagement

Value: $2,663

Peer Median: $4,923

#1990 of 2508 Bottom 20.7% in <100M tier

1932

Average Member Relationship (AMR)

engagement

Value: $8,951

Peer Median: $13,926

#1932 of 2508 Bottom 23.0% in <100M tier

1930

Loan Growth Rate

growth

Value: -9.82%

Peer Median: -2.36%

#1930 of 2508 Bottom 23.1% in <100M tier

1886

Loan-to-Share Ratio

balance_sheet

Value: 42.36%

Peer Median: 58.72%

#1886 of 2508 Bottom 24.8% in <100M tier