BlastPoint's Credit Union Scorecard

ABBEY

Charter #97111 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

ABBEY has 7 strengths but faces 8 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.23% above tier average
+ Net Interest Margin 0.67% above tier average
+ Strong member growth: 6.7% YoY
+ Loan-to-Share Ratio: Top 5.9% in tier
+ Member Growth Rate: Top 6.6% in tier
+ Loan Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.57% above tier average
- Net Worth Ratio: Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,786 +6.7% YoY+1.6% QoQ	-359	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	58%
Assets	$195.0M +9.9% YoY+2.4% QoQ	$-36.7M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	50%
Loans	$161.8M +13.3% YoY+2.0% QoQ	+$17.7M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	66%
Deposits	$173.6M +8.4% YoY+2.6% QoQ	$-27.5M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	51%

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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	1.0% -67.4% YoY-24.8% QoQ	+0.2%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	68%
NIM	4.3% +13.8% YoY+8.7% QoQ	+0.7%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Top 14.7% in tier
Efficiency Ratio	68.4% +22.3% YoY-2.6% QoQ	-9.6%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	1.3% +47.2% YoY+11.9% QoQ	+0.6	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Bottom 13.7% in tier
Loan To Share	93.2% +4.6% YoY-0.6% QoQ	+22.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Top 6.0% in tier
AMR	$22,687 +3.8% YoY+0.7% QoQ	$-2K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	48%
CD Concentration	34.2% +0.5% YoY+1.5% QoQ	+9.9%	24.3%	19.4%	19.8%	50%
Indirect Auto %	19.2% +17.4% YoY+2.5% QoQ	+5.4%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#47 of 157 • Top 50.0% 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: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 6.66%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (6)

Credit Risk Growth

risk

#29 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 13.32%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.43% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#12 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.48% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 44.78%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Margin Compression

decline

#28 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 2.94%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -1.98% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#151 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.43% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Strain

risk

#59 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.22%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 13.32%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#321 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 9.85%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.19%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 6.66%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (8 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 93.22%

Peer Median: 71.88%

#64 of 1070 Top 5.9% in 100M-500M tier

Member Growth Rate

growth

Value: 6.66%

Peer Median: -0.06%

#72 of 1070 Top 6.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.32%

Peer Median: 2.93%

#97 of 1070 Top 9.0% in 100M-500M tier

112

Asset Growth Rate

growth

Value: 9.85%

Peer Median: 3.91%

#112 of 1070 Top 10.4% in 100M-500M tier

157

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Median: 3.62%

#157 of 1070 Top 14.6% in 100M-500M tier

161

Deposit Growth Rate

growth

Value: 8.37%

Peer Median: 3.30%

#161 of 1070 Top 15.0% in 100M-500M tier

222

First Mortgage Concentration (%)

balance_sheet

Value: 15.02%

Peer Median: 29.47%

#222 of 1070 Top 20.7% in 100M-500M tier

231

Efficiency Ratio

profitability

Value: 68.39%

Peer Median: 78.68%

#231 of 1070 Top 21.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1039

Net Worth Ratio

risk

Value: 7.91%

Peer Median: 11.45%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

924

Total Delinquency Rate (60+ days)

risk

Value: 1.34%

Peer Median: 0.61%

#924 of 1070 Bottom 13.7% in 100M-500M tier

891

Share Certificate Concentration (%)

balance_sheet

Value: 34.16%

Peer Median: 23.10%

#891 of 1070 Bottom 16.8% in 100M-500M tier