BlastPoint's Credit Union Scorecard
ABBEY
Charter #97111 · OH
ABBEY has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.6% in tier
- + Organic Growth Leader: Top 11.1% in tier
- + Emerging Performer: Top 11.6% in tier
- + ROA 0.51% above tier average
- + Net Interest Margin 0.35% above tier average
- + Strong member growth: 7.2% YoY
- + Member Growth Rate: Top 5.2% in tier
- + Loan Growth Rate: Top 5.8% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.0% in tier
- - Credit Quality Pressure: Bottom 8.7% in tier
- - Liquidity Strain: Bottom 34.4% in tier
- - Indirect Auto Dependency: Bottom 72.7% in tier
- - Delinquency rate 0.31% above tier average
- - Net Worth Ratio: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,547
+7.2% YoY+1.1% QoQ
|
-890 |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$190.5M
+9.0% YoY+1.1% QoQ
|
$-41.4M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$158.6M
+16.4% YoY+3.6% QoQ
|
+$11.3M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$169.2M
+7.6% YoY+1.5% QoQ
|
$-31.6M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
1.3%
+41.9% YoY-16.7% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
4.0%
+8.0% YoY+2.1% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
70.2%
-3.7% YoY+2.8% QoQ
|
-6.8% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.2%
+186.1% YoY-9.6% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
93.8%
+8.2% YoY+2.1% QoQ
|
+21.5% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 8.3% in tier |
| AMR |
$22,535
+4.1% YoY+1.4% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
33.6%
+1.1% YoY-1.5% QoQ
|
+9.2% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
18.7%
+25.6% YoY+1.6% QoQ
|
+4.9% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)