Achieve Credit Union
Total assets
$199.5M
▲ +9.2% YoY
Shares & deposits
$180.0M
▲ +8.3% YoY
Loans
$77.5M
▲ +8.8% YoY
Members
11,254
▲ +1.2% YoY
ROA (annualized)
0.54%
peers 0.69%
ROE (annualized)
4.66%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Achieve Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +3.9% | +5.3 pts |
| Share growth (YoY) | +8.3% | +3.3% | +5.0 pts |
| Loan growth (YoY) | +8.8% | +2.9% | +5.9 pts |
| ROA | 0.54% | 0.69% | -0.2 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1958
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 340 Griswold Rd, Elyria, OH, 44035
- NCUA charter #
- 97094
- RSSD ID
- 271695
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 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 (Q1 2026): real estate $22.0M · commercial $0 · consumer $49.8M · securities $97.9M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Achieve Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% | 28th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 78.7% | 68th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Cardinal Credit Union, Inc. Credit UnionMentor, OH · $354.3M
- Firefighters Community CUCleveland, OH · $355.6M
- Myusa Credit UnionMiddletown, OH · $355.9M
- Ih Credit Union, Inc. Credit UnionSpringfield, OH · $358.7M
- Fremont Federal Credit UnionFremont, OH · $385.6M
- Universal 1 Credit UnionDayton, OH · $429.1M
Selling to Achieve Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.