PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Abbey

Vandalia, OH · Charter 97111

NCUA · 4 branches

Q2 2026

$200.1MAssets
$161.2MLoans
$178.4MShares
$16.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.16%, down 60 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 1.47% of loans (+84 bps YoY).
  • Capital: net worth / assets of 8.06%, up 41 bps from a year ago.
  • Funding: loans stand at 90.36% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%-60 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+53 bps YoY

Efficiency Ratio (YTD, annualized)

65.89%-79 bps YoY

Net Worth / Assets

8.06%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.52%1.27%0.96%1.16%-60 bps
Return on Equity23.05%19.44%16.14%12.12%14.40%-865 bps
Net Interest Margin3.76%3.84%3.93%4.30%4.29%+53 bps
Efficiency Ratio66.67%68.31%70.23%68.39%65.89%-79 bps
Growth
Asset Growth (YoY)12.54%15.74%9.05%9.85%7.92%-462 bps
Loan Growth (YoY)19.70%15.78%16.39%13.32%9.71%-999 bps
Share Growth (YoY)11.73%13.74%7.56%8.37%8.29%-344 bps
Asset Quality
Delinquent Loans / Loans0.63%1.33%1.20%1.34%1.47%+84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.65%7.81%7.86%7.91%8.06%+41 bps
Net Worth / Assets7.65%7.81%7.86%7.91%8.06%+41 bps
Liquidity & Funding
Loans / Shares89.19%91.87%93.76%93.22%90.36%+116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps