# ABBEY
Vandalia, OH · NCUA charter 97111 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/abbey-97111

Who the members are: state charter, organized 1937, low-income designated. 14,786 members of 900,000 potential (1.6% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $195.0M |
| Members | 14,786 (6.7% YoY) |
| Full-time staff | 46 |
| Net worth | $15.4M |
| Net worth ratio | 7.9% (p4 of band) |
| ROA (annualized) | 0.96% (p66 of band) |
| Total delinquency | 1.34% (p84 of band) |
| Net charge-offs (annualized) | 0.61% (p74 of band) |
| Loans / shares | 93% (p95 of band) |
| Cash / assets | 7.2% |
| Borrowings / assets | 3.37% |
| Net interest margin | 4.30% (p84 of band) |
| Operating expense / assets | 3.94% (p61 of band) |
| Vehicles % of loans | 33% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 208% (p86 of band) |
| Vehicle delinquency | 0.91% (p67 of band) |
| Vehicle NCO | 1.46% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 357% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 34% |
| Average share balance | $6,355 |
| Participations bought / yr | $0 |
| Participations sold / yr | $1.7M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $23,495 |
| Loans granted, annualized | $55.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-06 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2019-09 | 2 |  | auto monoline |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 3 | net worth falling | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2023-03 | 3 |  | net worth falling, delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | leaning on borrowings, delinquency rising |
| 2024-03 | 4 | net worth falling, delinquency rising |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | delinquency 2x band | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-19 [Abbey Credit Union makes Tipp’s Holidays “Storybook” - Tippecanoe Gazette](https://news.google.com/rss/articles/CBMie0FVX3lxTE50XzNSUVVjRjRoY01XWlFRaElldVYzM2tCQ1BZemp5ZUlDWk9JaDlWWXZZLUhCaS1ETGtMejV0SzFKSDU0VVh3Tnh3UEx0Z2NFYWI4Tk1IX1h6WGs2U2FqbV9NemU5SmI2YlY5YzVuWC1tam4tWVlidkttYw?oc=5) · Tippecanoe Gazette
- 2026-04-06 [Aiden Ray Carroll Obituary Mar 23, 2014 - Fisher Cheney Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTFBqQ2IzUlhzR216aDNSVmNnemdOTUt3V1dCRVgydE8takFRSEpqRHZOSHNmeDkzeVhraXhKQ1h1Zk5lZHR3aW53SGxtVklLM1VJaThTQ2FiQ0ZIal9lcnk5ZU5RYno2MlEzRkxGX1FCZEppbzA?oc=5) · Fisher Cheney Funeral Home
- 2026-07-07 [Queen Exhibits Breaks Ground on New Expansion - Exhibitor Online](https://news.google.com/rss/articles/CBMiaEFVX3lxTE0tMlJJakJxLXEzTVM1aXlkUEtqZzhzc1Y4cGJTV3VYYngtYVRybWVZY1I0RDM1d0g5Z3dMUDZROHVCWnNYRlpuYTJVX3VTRDZQeVdjTXBLS2lKNmxxbTVpTGRpbV9QT1hZ?oc=5) · Exhibitor Online
- 2026-06-24 [DBJ names 2026 Best Places to Work honorees - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZG1IU00xMnRGSDVjZWRhZEx6VjBoa2hKNWE2cXNTWnViT3Nobk9ndUVfVUxuclBnczZqd2FucnlsX1EyVGtyRm5Rb1EtMkxSTzdER2xqampnblZMZHNyVjNFcDY1enplWFZDVV91dFFhU2dxVTR5bFdneHozbzdUSmZScG1rTUlLVFJRNkRWWmRxLVRDdW9sSDVuUlY1Sms?oc=5) · The Business Journals
- 2023-02-27 [Abbey Credit Union: Make Money Work For You - WKEF](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOdS1leFZYMmFqbXlrMmtOWDdscGQ3RGFpT1FHS05RLWFpZmc3RVdvV3pKeXRiYlBGTTZ2ZW9NQ1BoVmdkaXp2bHhtb2FGMGVuN21tOTB1YmQxOXRycG5PQWtSQkk0UG8tUXFJRlpwUEhjQVJ4dkhWaFJUeW5PTUNuX3hPYzROX0FUOV9R?oc=5) · WKEF
- 2025-04-08 [Abbey Credit Union to Celebrate Grand Opening - Tippecanoe Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNnRaX3lpQmV5QS03aHVPQlJRZGxhRVhiWERjM0JBeTVneGZOTW1Mb2t0eng1NThlMFd0NjZhb2ZrWkg5STF1NGdoU2JSMzBaRkdvczc1NVBQaFpXMDZMMnMzVEx6SzRtVldtVHpGWW1VbUlVX3g5RkJBVlpQSVF2SndLaEhTTngwQjh1alRn?oc=5) · Tippecanoe Gazette
- 2024-06-05 [Kerry G. Thompson Obituary - newcomerdayton.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBCbU9HZjc2eDlvMUQyOGhla1dKck5wQmVqOW5ES0t5Zy1qUHpfc2pIWjl6RHhRYWRGRFZsZW8weFMtdE1fRmx1X1IzTjB0ZnJ0aTRrcWtCOGtLR2tHX1ZhekNkajNCU3JvclE?oc=5) · newcomerdayton.com
- 2019-09-03 [Robert William "Bob" Rohlfs Obituary Sep 3, 2019 - Baird Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE1lMlhDX2hvZXRucWdWRTh4VXNFMkY5cE9yNllzS2owODdwdE4taGdzTU54bWJNX0k1YVdNUlZSa0NVOGt0RmxvSjlna1lvelFxOGZyQXl1WGhZbmFlbm5UR1pjclBrRU12SWFseXVB?oc=5) · Baird Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97111 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/23.json (key "97111", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=97111
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide