BlastPoint's Credit Union Scorecard

ABBEY

Charter #97111 · OH

1077 CUs in 100M-500M nationally 58 in OH

ABBEY has 12 strengths but faces 6 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.8% in tier
+ Organic Growth Leader: Top 3.0% in tier
+ Emerging Performer: Top 5.8% in tier
+ Profitability Leader: Top 42.5% in tier
+ Wallet Share Momentum: Top 75.4% in tier
+ ROA 0.74% above tier average
+ Net Interest Margin 0.29% above tier average
+ Strong member growth: 8.1% YoY
+ Asset Growth Rate: Top 3.3% in tier
+ Member Growth Rate: Top 4.6% in tier
+ Deposit Growth Rate: Top 5.0% in tier
+ Loan Growth Rate: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.4% in tier
- Credit Quality Pressure: Bottom 1.7% in tier
- Liquidity Strain: Bottom 16.8% in tier
- Indirect Auto Dependency: Bottom 19.0% in tier
- Delinquency rate 0.47% above tier average
- Net Worth Ratio: Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,392 +8.1% YoY+1.8% QoQ	-1.2K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	55%
Assets	$188.5M +15.7% YoY+1.6% QoQ	$-42.8M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	47%
Loans	$153.1M +15.8% YoY+4.2% QoQ	+$5.3M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	61%
Deposits	$166.7M +13.7% YoY+1.2% QoQ	$-33.6M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	48%

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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% +56.8% YoY-15.0% QoQ	+0.7%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	Top 11.5% in tier
NIM	3.9% +4.7% YoY+1.0% QoQ	+0.3%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	68.3% -4.5% YoY+2.5% QoQ	-9.0%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	22%
Delinquency Rate	1.3% +333.1% YoY+109.5% QoQ	+0.5	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	81%
Loan To Share	91.9% +1.8% YoY+3.0% QoQ	+19.2%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	Top 12.4% in tier
AMR	$22,222 +6.1% YoY+0.9% QoQ	$-2K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	49%
CD Concentration	34.1% +9.1% YoY+0.2% QoQ	+9.7%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	18.4% +42.0% YoY+0.1% QoQ	+4.5%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#34 of 603 • Top 1.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.15%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 18.44%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#40 of 430 • Top 3.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.15%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 18.44%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY

Emerging Performer

growth

#12 of 191 • Top 5.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 8.15%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Profitability Leader

growth

#145 of 340 • Top 42.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.55% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#363 of 481 • Top 75.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.06%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#7 of 446 • Bottom 0.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 15.78%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.02% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#43 of 736 • Bottom 1.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.02% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk

#131 of 258 • Bottom 16.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.87%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 15.78%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#307 of 525 • Bottom 19.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 15.74%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 18.44%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 8.15%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

Asset Growth Rate

growth

Value: 15.74%

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

Member Growth Rate

growth

Value: 8.15%

Peer Avg: -

#51 of 1077 Top 4.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.74%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.78%

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

124

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

125

Fee Income Per Member

profitability

Value: $257.07

Peer Avg: -

#125 of 1077 Top 11.5% in 100M-500M tier

134

Loan-to-Share Ratio

balance_sheet

Value: 91.87%

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

224

First Mortgage Concentration (%)

balance_sheet

Value: 15.14%

Peer Avg: -

#224 of 1077 Top 20.7% in 100M-500M tier

237

Efficiency Ratio

profitability

Value: 68.31%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1047

Net Worth Ratio

risk

Value: 7.81%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

892

Share Certificate Concentration (%)

balance_sheet

Value: 34.14%

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier

877

Total Delinquency Rate (60+ days)

risk

Value: 1.33%

Peer Avg: -

#877 of 1077 Bottom 18.7% in 100M-500M tier