ABBOTT LABORATORIES

Charter #96071 | IL

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in IL

ABBOTT LABORATORIES has 12 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.6% in tier
  • + Emerging Performer: Top 8.5% in tier
  • + Organic Growth Engine: Top 10.9% in tier
  • + Organic Growth Leader: Top 22.2% in tier
  • + Wallet Share Momentum: Top 22.4% in tier
  • + ROA 0.25% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 1.3% in tier
  • + Average Member Relationship (AMR): Top 3.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.6% in tier
  • + Net Charge-Off Rate: Top 7.9% in tier
  • + Net Worth Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 4.7% in tier
  • - Margin Compression: Bottom 17.1% in tier
  • - Total Members: Bottom 1.3% in tier
  • - Total Loans: Bottom 3.6% in tier
  • - Net Interest Margin (NIM): Bottom 6.9% in tier
  • - First Mortgage Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 32,867
+2.3% YoY+0.8% QoQ
 -65.8K 98,678
-1.9% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Bottom 1.0% in tier
Assets $1.1B
+7.2% YoY+0.4% QoQ
 $-610.5M $1.7B
+0.5% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 12.2% in tier
Loans $605.9M
+4.6% YoY+0.3% QoQ
 $-627.1M $1.2B
+0.5% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 3.3% in tier
Deposits $959.1M
+6.8% YoY-0.1% QoQ
 $-495.2M $1.5B
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 15.1% in tier
ROA 0.9%
-22.5% YoY-0.1% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 2.4%
+0.2% YoY+2.2% QoQ
 -0.9% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 6.6% in tier
Efficiency Ratio 65.2%
+6.8% YoY+0.8% QoQ
 -8.7% 74.0%
-10.9% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 17.4% in tier
Delinquency Rate 0.1%
-26.7% YoY-30.9% QoQ
 -0.7 0.8%
+6.1% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Bottom 1.3% in tier
Loan To Share 63.2%
-2.1% YoY+0.4% QoQ
 -22.0% 85.2%
-0.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 10.5% in tier
AMR $47,617
+3.5% YoY-0.7% QoQ
 +$18K $29,172
+2.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Top 3.6% in tier
CD Concentration 34.4%
+7.2% YoY+2.0% QoQ
 +5.4% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 74th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#56 of 264 • Top 7.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.54%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Emerging Performer

growth
#46 of 184 • Top 8.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.95%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.32%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#80 of 246 • Top 10.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.32%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.95%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Organic Growth Leader

growth
#88 of 138 • Top 22.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.32%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth
#163 of 264 • Top 22.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.54%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Overhang

risk
#16 of 113 • Bottom 4.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.23%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 63.18%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Margin Compression

decline
#15 of 24 • Bottom 17.1% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.95%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.28% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $1.11B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.83%
#5 of 304 Top 1.3% in 1B-3B tier
11
Average Member Relationship (AMR)
engagement
Value: $47,617
Peer Avg: $29,172
#11 of 304 Top 3.3% in 1B-3B tier
24
Loan-to-Member Ratio (LMR)
engagement
Value: $18,435
Peer Avg: $13,213
#24 of 304 Top 7.6% in 1B-3B tier
25
Net Charge-Off Rate
risk
Value: 0.14%
Peer Avg: 0.60%
#25 of 304 Top 7.9% in 1B-3B tier
31
Net Worth Ratio
risk
Value: 14.23%
Peer Avg: 11.44%
#31 of 304 Top 9.9% in 1B-3B tier
54
Efficiency Ratio
profitability
Value: 65.24%
Peer Avg: 73.97%
#54 of 304 Top 17.4% in 1B-3B tier

Top Weaknesses (9 metrics)

301
Total Members
engagement
Value: 32,867
Peer Avg: 98,678
#301 of 304 Bottom 1.3% in 1B-3B tier
294
Total Loans
balance_sheet
Value: $605.92M
Peer Avg: $1.23B
#294 of 304 Bottom 3.6% in 1B-3B tier
284
Net Interest Margin (NIM)
profitability
Value: 2.36%
Peer Avg: 3.26%
#284 of 304 Bottom 6.9% in 1B-3B tier
281
First Mortgage Concentration (%)
balance_sheet
Value: 57.35%
Peer Avg: 34.01%
#281 of 304 Bottom 7.9% in 1B-3B tier
272
Loan-to-Share Ratio
balance_sheet
Value: 63.18%
Peer Avg: 85.19%
#272 of 304 Bottom 10.9% in 1B-3B tier
267
Total Assets
balance_sheet
Value: $1.11B
Peer Avg: $1.72B
#267 of 304 Bottom 12.5% in 1B-3B tier
258
Total Deposits
balance_sheet
Value: $959.11M
Peer Avg: $1.45B
#258 of 304 Bottom 15.5% in 1B-3B tier
236
Members Per Employee (MPE)
engagement
Value: 298.791
Peer Avg: 364.953
#236 of 304 Bottom 22.7% in 1B-3B tier
231
Share Certificate Concentration (%)
balance_sheet
Value: 34.41%
Peer Avg: 28.53%
#231 of 304 Bottom 24.3% in 1B-3B tier