CHILDREN'S MEDICAL CENTER
Charter #20186 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
CHILDREN'S MEDICAL CENTER has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.2% in tier
- + Efficiency Ratio: Top 5.6% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,931
-0.9% YoY-0.3% QoQ
|
+3.3K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 9.5% in tier |
| Assets |
$44.9M
+1.8% YoY+1.0% QoQ
|
+$15.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$16.4M
-16.5% YoY-3.1% QoQ
|
+$665K |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
64th in tier |
| Deposits |
$35.8M
+0.1% YoY+0.7% QoQ
|
+$10.3M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
72nd in tier |
| ROA |
1.7%
+39.0% YoY+2.8% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 15.8% in tier |
| NIM |
2.9%
+22.1% YoY+3.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio |
48.2%
-17.8% YoY+1.4% QoQ
|
-33.2% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
0.3%
+336.0% YoY+14.8% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
33rd in tier |
| Loan To Share |
45.9%
-16.6% YoY-3.8% QoQ
|
-15.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
27th in tier |
| AMR |
$8,802
-4.9% YoY-0.2% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.0% in tier |
| CD Concentration |
13.5%
+72.9% YoY+21.5% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
7
Members Per Employee (MPE)
engagement
Value:
1482.750
Peer Avg: 365.701
#7 of 2596
Top 0.2% in <100M tier
146
Efficiency Ratio
profitability
Value:
48.23%
Peer Avg: 81.39%
#146 of 2596
Top 5.6% in <100M tier
247
Total Members
engagement
Value:
5,931
Peer Avg: 2,626
#247 of 2596
Top 9.5% in <100M tier
409
Return on Assets (ROA)
profitability
Value:
1.66%
Peer Avg: 0.68%
#409 of 2596
Top 15.7% in <100M tier
578
Net Worth Ratio
risk
Value:
19.96%
Peer Avg: 16.43%
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (6 metrics)
2356
Loan Growth Rate
growth
Value:
-16.52%
Peer Avg: 59.01%
#2356 of 2596
Bottom 9.3% in <100M tier
2216
Net Interest Margin (NIM)
profitability
Value:
2.88%
Peer Avg: 3.93%
#2216 of 2596
Bottom 14.7% in <100M tier
2168
First Mortgage Concentration (%)
balance_sheet
Value:
34.14%
Peer Avg: 14.49%
#2168 of 2596
Bottom 16.5% in <100M tier
2141
AMR Growth Rate
growth
Value:
-4.95%
Peer Avg: 4.67%
#2141 of 2596
Bottom 17.6% in <100M tier
2048
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,771
Peer Avg: $5,488
#2048 of 2596
Bottom 21.1% in <100M tier
1999
Average Member Relationship (AMR)
engagement
Value:
$8,802
Peer Avg: $14,627
#1999 of 2596
Bottom 23.0% in <100M tier