| Metric | Achieve Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +4.1% | +7.6 pts |
| Share growth (YoY) | +5.7% | +3.5% | +2.2 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.6 pts |
| ROA | 0.65% | 0.74% | -0.1 pts |
| ROE | 5.8% | 6.5% | -0.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.1M | $180.9M | $79.9M | $23.6M | $687K | 0.65% | 3.16% | 1.01% | 11,287 |
| Q1 2026 | $199.5M | $180.0M | $77.5M | $23.2M | $270K | 0.54% | 3.25% | 0.79% | 11,254 |
| Q4 2025 | $194.3M | $175.4M | $77.3M | $22.9M | $1.3M | 0.68% | 3.46% | 1.22% | 11,204 |
| Q3 2025 | $190.0M | $171.7M | $77.5M | $22.8M | $1.2M | 0.81% | 3.54% | 1.25% | 11,187 |
| Q2 2025 | $188.0M | $171.1M | $74.3M | $22.2M | $629K | 0.67% | 3.56% | 1.16% | 11,152 |
| Q1 2025 | $182.7M | $166.2M | $71.2M | $21.9M | $242K | 0.53% | 3.58% | 0.89% | 11,117 |
| Q4 2024 | $175.8M | $160.4M | $68.4M | $21.6M | $1.2M | 0.67% | 3.60% | 1.42% | 11,039 |
| Q3 2024 | $173.4M | $156.9M | $66.5M | $21.4M | $1.0M | 0.78% | 3.62% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Achieve Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.74% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 6.5% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.31% |
| 11,005 |
| Q2 2024 | $171.5M | $156.9M | $66.5M | $21.1M | $615K | 0.72% | 3.58% | 1.02% | 11,039 |
Loan mix (Q2 2026): real estate $22.9M · commercial $0 · consumer $51.4M · securities $112.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 77.5% | 61st |
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 | Achieve 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 | Achieve Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Achieve 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 | Achieve 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 | Achieve 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Lorain, OH, ranked 12th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lorain, OH | 3 | $180.9M* | 2.53% | 12th |
Ohio: 160th with 0.03% · Cleveland metro: 30th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3