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
Call Report peers
ABBEY in the assets neighbourhood
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ABBEY vs every NCUA-scored credit union
ABBEY sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Ohio, Midwest Community (#77) ties at 87/100; one place down, Carey Poverello (#79) scores 86/100, 1 point lower.
Quarter path for ABBEY
ABBEY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $190.5M (2025Q4) to $195.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (7.86% → 7.91%).
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
ABBEY gives up 13 points in total. Delinquency Rate costs the most, 6.5 of its 25; Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ABBEY financially healthy?
ABBEY has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,735 of 4,374 nationally on health and #78 of 196 in Ohio. Its net worth ratio is 7.91% and its delinquency rate 1.20%.
How does ABBEY compare to other credit unions?
ABBEY scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.76% vs 72.20%). Its widest shortfall is net worth ratio (7.91% vs 12.11%).
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?
ABBEY is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.