Abbey Credit Union
Total assets
$195.0M
▲ +9.9% YoY
Shares & deposits
$173.6M
▲ +8.4% YoY
Loans
$161.8M
▲ +13.3% YoY
Members
14,786
▲ +6.7% YoY
ROA (annualized)
0.96%
peers 0.69%
ROE (annualized)
12.12%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Abbey Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +3.9% | +5.9 pts |
| Share growth (YoY) | +8.4% | +3.3% | +5.1 pts |
| Loan growth (YoY) | +13.3% | +2.9% | +10.4 pts |
| ROA | 0.96% | 0.69% | +0.3 pts |
| ROE | 12.1% | 5.9% | +6.2 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 800 Falls Creek Dr, Vandalia, OH, 45377
- NCUA charter #
- 97111
- RSSD ID
- 774598
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $195.0M | $173.6M | $161.8M | $15.4M | $468K | 0.96% | 4.30% | 1.34% | 14,786 |
| Q4 2025 | $190.5M | $169.2M | $158.6M | $15.0M | $2.4M | 1.27% | 3.93% | 1.20% | 14,547 |
| Q3 2025 | $188.5M | $166.7M | $153.1M | $14.7M | $2.1M | 1.52% | 3.84% | 1.33% | 14,392 |
| Q2 2025 | $185.5M | $164.7M | $146.9M | $14.2M | $1.6M | 1.76% | 3.76% | 0.63% | 14,144 |
| Q1 2025 | $177.5M | $160.2M | $142.8M | $13.8M | $1.3M | 2.92% | 3.75% | 0.91% | 13,863 |
| Q4 2024 | $174.7M | $157.3M | $136.3M | $12.6M | $1.5M | 0.87% | 3.54% | 0.42% | 13,565 |
| Q3 2024 | $162.8M | $146.6M | $132.3M | $12.2M | $1.2M | 0.98% | 3.72% | 0.31% | 13,308 |
| Q2 2024 | $164.8M | $147.4M | $122.7M | $11.9M | $911K | 1.11% | 3.57% | 1.07% | 13,007 |
Loan mix (Q1 2026): real estate $38.1M · commercial $55.0M · consumer $59.1M · securities $10.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Abbey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.62% | 85th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 78.7% | 21th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Abbey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Abbey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Abbey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Abbey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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