# CHILDREN'S MEDICAL CENTER
Cincinnati, OH · NCUA charter 20186 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/children-s-medical-center-20186

Who the members are: federal charter, multiple common bond, organized 1970, minority depository institution. 5,908 members of 18,689 potential (31.6% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $46.7M |
| Members | 5,908 (-0.6% YoY) |
| Full-time staff | 4 |
| Net worth | $9.3M |
| Net worth ratio | 20.0% (p74 of band) |
| ROA (annualized) | 1.55% (p86 of band) |
| Total delinquency | 0.69% (p51 of band) |
| Net charge-offs (annualized) | 0.16% (p62 of band) |
| Loans / shares | 42% (p27 of band) |
| Cash / assets | 65.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.71% (p12 of band) |
| Operating expense / assets | 1.49% (p5 of band) |
| Vehicles % of loans | 55% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.40% (p48 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 17% |
| Average share balance | $3,867 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $10,988 |
| Loans granted, annualized | $3.6M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | auto monoline |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | members leaving |  |
| 2022-06 | 2 | auto monoline | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | delinquency rising | members leaving |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | loan book shrinking | assets shrinking |
| 2025-03 | 3 | margin squeeze |  |
| 2025-06 | 2 | delinquency rising | auto monoline, margin squeeze |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | loan book shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Most Influential Women in Arizona from 2012-2025 - azbigmedia.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWTJrRW9ILXNwb1Z4OE00TXVEQ0VYZ3dHbjBUSV9kS0xReFlBV3FaMjBzWEZ6ek9MeG5TTFlOODRqdmhYcXVIRlFCbzJmTkJ3SThsNGVPYTJmOGhWVFhrbGNqaWJPMXBTR1dWZUtYWHBoVmVxOHBUUm5kWnNQcVo1VG5Kd202SG4x?oc=5) · azbigmedia.com
- 2022-03-19 [Riley Staton Obituary (2013 - 2016) - Jamestown, OH - Greene County Dailies - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTTk2ZHZTSFRMRDg0MUIwa0xZRU1iTzNhdy1jT3hvbEVwLVJjeE5Oc2R1M0xZYTBIS0Z5ZVdjUUo0ZTh0Q3JJVXQxZzZIMGVvN2o5bkZKYkNqbWFFS1pSNUd4V2E3UmtzenVMcXNHQWllRXNFRVNEMnR1WWFCbUxYNTZUMXdUVlE3SFRuTGFvaVBDU1VTb1E?oc=5) · legacy.com
- 2020-08-21 [Tucsonans who have been moved, promoted or appointed in 2018 - Arizona Daily Star](https://news.google.com/rss/articles/CBMihwFBVV95cUxNTVUxei1DeGFOU3ZfM0FPT3JPTWRQM3RIdmRPSDJtNXRER3VadzFEV1BGcjQyUVVqWGRiVDFxYzJESjJkcW1CbHZCYUExbHpBc0xkcFRURk5DaVdmR2RiR0g1MWpVYkFRNHdiaGcteVA1dXdiRm1QaGNJV21sVUk4MVAyU2F0c00?oc=5) · Arizona Daily Star
- 2026-02-03 [Country superstar Tim McGraw returns to Austin on new 2026 summer tour - CultureMap Austin](https://news.google.com/rss/articles/CBMiggFBVV95cUxPeFVMU2tJNzNfcjQ0MmlKX0t3cDJyMk5qQmJOcGNvYkdnQldYQjVjTjFOSklMUU9JbTdJQ0tDbndMTmhtaDNfMjlHQjRRV3ZwNTl3UWNvSlJWS0EyWlBuMUMxUDhWZHh5UjE2LUlzWS1QUHhGX2VmcS1JMHprN2E0UjJ3?oc=5) · CultureMap Austin
- 2013-04-10 [Mom, boyfriend charged in toddler’s death - Dayton Daily News](https://news.google.com/rss/articles/CBMizwFBVV95cUxNa3ZBVmM2S1BFVzlqN1gzY09GZks0Rnp3ZWVMWXVDYjk5SFFHS3ZjUDk2N21yNjVIMTR3eXNtV1hWeWdDRGc1QVN3Q2J3M2F5MVNSVFB3Z1hyaGdiZFhUNUxycnY5dGpFTjktTUxNMGJFVl9ueFZDT0k0aHhDdHlUYll0YklfbERNZWVKeFVENndOY2RndGxyOHBqcFhnd3dOTGlLMXAxTVAtX3psQnlHUEllcnFNeEotc3RTVHVaX0FRS0dqWS1JazJwbmhzdDA?oc=5) · Dayton Daily News
- 2017-10-05 [Lindsey Haynes Obituary (2001 - 2017) - Taylorsville, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNV3dGcmoya2taaUFKQmM2QWhUREtycy1zWFJQUlRmZXNQSlYxbGxoMGloZGRvWmt6YVNxVWd6YkM0Z0xfWHZjZDJFNUFURVNJSlN0VFJKM2VsUU41andiR05QRzFvVkJQUF9XbGlHQWNraVk0T0tvSjAxaU1uZ0l3NTd2UnBQTUVtU1JnQ0l1VDhOVGdjWi1Waw?oc=5) · legacy.com
- 2009-05-31 [Kimberly Hain Obituary (2009) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQTXBVTFRla2Exc2xZY19fRHlpLWJqTUJOa0ZfVlhQaG5CbjZyYVl5b1U4WTBLMXpydU9tWnBWVG01VGljV1JsWVpFVlRYUnU4ZkZ2aE52LURwN2czcmpJWGJEUmNPOGR0TG9qTzQ3bmdObU5LTGVSYU1obXJKX1BsM0pxTGFtaE1UX0dPRFdaamcxUlJ4Um9F?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20186 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/26.json (key "20186", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20186
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide