TellerScore

Abbey Credit Union (NCUA charter #97111) is based in Vandalia, Ohio. Its Q2 2026 call report shows $200.1M in total assets and $178.4M in member shares and deposits and 4 offices.

Abbey Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 175th. Problem-loan coverage contributes the most (71/100, 14.7%); capital cushion contributes the least (31/100, 8.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.06%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.47%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity70/100
Loans ÷ shares: 90.4% · 0.0% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (65 → 53), mostly because the loan quality component weakened by 28 points.

TellerScore
515865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202462
Q4 202459
Q1 202565
Q2 202565
Q3 202556
Q4 202555
Q1 202651
Q2 202653
Net worth ratio
7.00%7.53%8.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.25%
Q3 20247.51%
Q4 20247.18%
Q1 20257.80%
Q2 20257.65%
Q3 20257.81%
Q4 20257.86%
Q1 20267.91%
Q2 20268.06%
Delinquent loans (60+ days)
0.31%0.89%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20240.31%
Q4 20240.42%
Q1 20250.91%
Q2 20250.63%
Q3 20251.33%
Q4 20251.20%
Q1 20261.34%
Q2 20261.47%
Return on assets
0.87%1.89%2.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20240.98%
Q4 20240.87%
Q1 20252.91%
Q2 20251.76%
Q3 20251.52%
Q4 20251.27%
Q1 20260.96%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$200.1M8.06%1.47%1.16%90.4%
Q1 202651$195.0M7.91%1.34%0.96%93.2%
Q4 202555$190.5M7.86%1.20%1.27%93.8%
Q3 202556$188.5M7.81%1.33%1.52%91.9%
Q2 202565$185.5M7.65%0.63%1.76%89.2%
Q1 202565$177.5M7.80%0.91%2.91%89.1%
Q4 202459$174.7M7.18%0.42%0.87%86.6%
Q3 202462$162.8M7.51%0.31%0.98%90.3%
Q2 202455$164.8M7.25%1.07%1.11%83.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.06%
4th
Problem loans1.47%
14th
Net charge-offs0.65%
24th
Return on assets1.16%
76th
Loans to deposits90.4%
16th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio14.7%
5th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Firestone Federal Credit UnionCredit union Akron, OH82 out of 100, Strong$198.1M18.1%1.15%vs
Aurgroup Credit UnionCredit union Fairfield, OH68 out of 100, Moderate$203.8M8.9%0.40%vs
Credit Union of OhioCredit union Hilliard, OH60 out of 100, Moderate$205.4M10.7%1.34%vs
Impact Credit Union, Inc.Credit union Clyde, OH63 out of 100, Moderate$205.7M8.9%0.43%vs
Achieve Credit UnionCredit union Elyria, OH69 out of 100, Moderate$210.1M11.3%1.01%vs
Cincinnati Ohio Police Federal Credit UnionCredit union Cincinnati, OH58 out of 100, Moderate$187.8M11.3%2.25%vs

Deposit insurance

Is my money safe at Abbey Credit Union?

Abbey Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.06%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Abbey Credit Union lists 4 offices in 4 cities. Most locations:

  • Tipp City, OH (1)
  • Troy, OH (1)
  • Vandalia, OH (1)
  • West Milton, OH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Abbey Credit Union reported 30 home-loan applications under HMDA (LEI 549300N1MCHMZQ2BP498): 22 originated ($2,380,000 total), 2 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Abbey Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97111
RSSD ID
774598
Primary regulator
State + NCUA
Established
1937
Headquarters
800 Falls Creek Dr, Vandalia, OH 45377
Employees
58

Quick answers

Abbey Credit Union: common questions

Is Abbey Credit Union NCUA insured?

Abbey Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Abbey Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Abbey Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Vandalia

InstitutionScoreAssetsCapitalProblem loansCompare
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs
The First Central National Bank of St. ParisBank St. Paris, OH87 out of 100, Very strong$97.0M18.9%0.02%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs