Federal credit union · Vandalia, Ohio · NCUA charter #97111
ABBEY
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $190.5M
- Total assets
- 14,547
- Members
- 7.9%
- Net-worth ratio
ABBEY scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $190.5M; members 14,547; net-worth ratio 7.91%; health rank #1,735 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,735 of 4,374 health · 2025Q4ABBEY · health 87/100 · $190.5M · 2025Q4
- RANK 87/100
- PHOTO 7.9%
- BOOK 1.20%
- CHARTER 0.80%
- NCUSIF $190.5M
- CAMELS 14,547
- HEALTH #1,735/4,374
- NW ALDEN
- DELQ 97111
Call Report peers
ABBEY in the assets neighbourhood
ABBEY's $190.5M assets sit next to ALDEN ($190.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ABBEY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ABBEY - Share Insurance Coverage
Charter #97111's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for ABBEY
- Loan-to-Share Ratio leads the peer set - 93.76% here, 72.20% peer average (+21.56 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.20 pp (7.91% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ABBEY: in-state Call Report ranks
- Ohio health ordinal: #78 of 196.
- By total assets, ABBEY is #52 of 196 in Ohio.
- Membership ranks #50 of 196 among Ohio CUs with a reported count (14,547 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ABBEY
ABBEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $190.5M (2025Q4) to $195.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (7.86% → 7.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 24.8 pts
- Delinquency Rate 18.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for ABBEY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.91% | -4.20 pp |
| Delinquency Rate | 1.20% | +0.31 pp |
| Return on Assets | 0.80% | +0.17 pp |
| Member Growth | 7.24% | - |
| Loan-to-Share Ratio | 93.76% | +21.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $195.0M | - |
| 2025Q4 | $190.5M | 14,547 |
| 2024Q4 | $174.7M | 13,565 |
| 2023Q4 | $155.9M | 12,569 |
Credit Union Details
- Charter Number
- 97111
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Vandalia
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for ABBEY, spread across 4 cities.
| Office | City |
|---|---|
| Abbey Credit Union (Main Office) | Vandalia, OH |
| Abbey Credit Union - Tipp City | Tipp City, OH |
| Abbey Credit Union Troy Branch | Troy, OH |
| Abbey Credit Union - West Mitlon | West Milton, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
ABBEY nationwide neighbourhoods
Cross-state asset and health neighbours for ABBEY - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($190.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- ABBEY ranks #1,735 of 4,374 nationally on financial health and #78 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cincinnati Ohio Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cincinnati Ohio Police
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ABBEY financially healthy?
ABBEY has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,735 of 4,374; by total assets it ranks #1,299 of 4,374 nationally (same basis as /rankings/largest); and #52 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.91% and delinquency rate of 1.20%.
How does ABBEY compare to other credit unions?
On PlainCU's health composite, ABBEY lands at 87/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ABBEY?
Membership eligibility for ABBEY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ABBEY directly for current membership requirements and application steps.
Is my money safe at ABBEY?
Federal credit unions like ABBEY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ABBEY's net worth ratio of 7.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ABBEY offer compared to banks?
Credit unions like ABBEY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ABBEY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.