ABBEY

Charter #97111 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

ABBEY has 12 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.6% in tier
  • + Organic Growth Engine: Top 1.8% in tier
  • + Organic Growth Leader: Top 3.0% in tier
  • + Wallet Share Momentum: Top 13.1% in tier
  • + Relationship Depth Leader: Top 17.2% 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

  • - Growth-at-Risk: 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
 55th in tier
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
 47th in tier
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
 61st in tier
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
 48th in tier
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
 66th in tier
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
 Bottom 21.9% in tier
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
 Top 18.7% in tier
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
 49th in tier
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
 50th in tier
Indirect Auto % 18.4%
+42.0% YoY+0.1% QoQ
 +4.5% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#13 of 627 • Top 0.6% in tier

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

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
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

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: 13.96%, 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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY

Wallet Share Momentum

growth
#363 of 1006 • Top 13.1% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#476 of 1006 • Top 17.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

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: 3.64%, 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: 3.64%, 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: 13.96%, 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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

37
Asset Growth Rate
growth
Value: 15.74%
Peer Avg: 4.70%
#37 of 1077 Top 3.3% in 100M-500M tier
51
Member Growth Rate
growth
Value: 8.15%
Peer Avg: 0.72%
#51 of 1077 Top 4.6% in 100M-500M tier
55
Deposit Growth Rate
growth
Value: 13.74%
Peer Avg: 4.69%
#55 of 1077 Top 5.0% in 100M-500M tier
69
Loan Growth Rate
growth
Value: 15.78%
Peer Avg: 3.45%
#69 of 1077 Top 6.3% in 100M-500M tier
124
Return on Assets (ROA)
profitability
Value: 1.53%
Peer Avg: 0.79%
#124 of 1077 Top 11.4% in 100M-500M tier
125
Fee Income Per Member
profitability
Value: $257.07
Peer Avg: $174.31
#125 of 1077 Top 11.5% in 100M-500M tier
134
Loan-to-Share Ratio
balance_sheet
Value: 91.87%
Peer Avg: 72.70%
#134 of 1077 Top 12.3% in 100M-500M tier
224
First Mortgage Concentration (%)
balance_sheet
Value: 15.14%
Peer Avg: 30.43%
#224 of 1077 Top 20.7% in 100M-500M tier
237
Efficiency Ratio
profitability
Value: 68.31%
Peer Avg: 77.28%
#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1047
Net Worth Ratio
risk
Value: 7.81%
Peer Avg: 12.15%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
892
Share Certificate Concentration (%)
balance_sheet
Value: 34.14%
Peer Avg: 23.61%
#892 of 1077 Bottom 17.3% in 100M-500M tier
877
Total Delinquency Rate (60+ days)
risk
Value: 1.33%
Peer Avg: 0.86%
#877 of 1077 Bottom 18.7% in 100M-500M tier