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Children's Medical Center

Cincinnati, OH · Charter 20186

NCUA · 1 branch

Q2 2026

$46.8MAssets
$16.3MLoans
$37.1MShares
$9.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.48%, down 14 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.52% of loans (+24 bps YoY).
  • Capital: net worth / assets of 20.33%, up 62 bps from a year ago.
  • Funding: loans stand at 43.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.48%-14 bps YoY

Net Interest Margin (quarter, annualized)

2.70%-9 bps YoY

Efficiency Ratio (quarter, annualized)

50.87%+330 bps YoY

Net Worth / Assets

20.33%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.65%1.65%1.55%1.48%-14 bps
Return on Equity8.22%8.27%8.25%7.73%7.29%-94 bps
Net Interest Margin2.79%2.87%2.83%2.71%2.70%-9 bps
Efficiency Ratio47.57%48.23%47.47%49.02%50.87%+330 bps
Growth
Asset Growth (YoY)0.36%1.78%6.13%4.19%5.15%+479 bps
Loan Growth (YoY)-16.17%-16.52%-15.03%-9.82%-4.22%+1,195 bps
Share Growth (YoY)-1.46%0.15%3.99%3.08%4.29%+574 bps
Asset Quality
Delinquent Loans / Loans0.27%0.31%0.51%0.69%0.52%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.71%19.96%20.02%20.01%20.33%+62 bps
Net Worth / Assets19.71%19.96%20.02%20.01%20.33%+62 bps
Liquidity & Funding
Loans / Shares47.75%45.94%45.08%42.36%43.86%-390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps