| Metric | Achieva Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.1% | -0.6 pts |
| Share growth (YoY) | +3.4% | +4.9% | -1.5 pts |
| Loan growth (YoY) | +8.5% | +5.4% | +3.0 pts |
| ROA | 0.86% | 0.71% | +0.1 pts |
| ROE | 8.6% | 6.3% | +2.3 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.15B | $2.84B | $2.42B | $314.3M | $6.8M | 0.86% | 3.46% | 0.32% | 218,701 |
| Q4 2025 | $3.07B | $2.72B | $2.33B | $307.6M | $24.3M | 0.79% | 3.47% | 0.25% | 214,497 |
| Q3 2025 | $3.01B | $2.72B | $2.29B | $305.9M | $20.1M | 0.89% | 3.51% | 0.25% | 211,662 |
| Q2 2025 | $3.05B | $2.77B | $2.25B | $299.6M | $13.9M | 0.91% | 3.41% | 0.29% | 208,503 |
| Q1 2025 | $3.02B | $2.75B | $2.23B | $290.7M | $4.9M | 0.65% | 3.40% | 0.22% | 207,483 |
| Q4 2024 | $2.90B | $2.65B | $2.14B | $285.7M | $16.3M | 0.56% | 3.02% | 0.45% | 202,882 |
| Q3 2024 | $2.87B | $2.61B | $2.07B | $284.1M | $12.1M | 0.56% | 2.93% | 0.21% | 199,741 |
| Q2 2024 | $2.86B | $2.61B | $2.08B | $279.1M | $7.1M | 0.50% | 2.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Achieva Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.71% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 6.3% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 198,099 |
Loan mix (Q1 2026): real estate $637.6M · commercial $182.7M · consumer $1.50B · securities $393.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 73.0% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Achieva Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Achieva Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Achieva Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Achieva Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.