BlastPoint's Credit Union Scorecard
ACHIEVA CREDIT UNION
Charter #60087 · FL
ACHIEVA CREDIT UNION has 6 strengths but faces 4 concerns
How does the industry compare?
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How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 45.1% in tier
- + ROA 0.09% above tier average
- + Net Interest Margin 0.37% above tier average
- + Strong member growth: 5.7% YoY
- + Total Delinquency Rate (60+ days): Top 6.6% in tier
- + First Mortgage Concentration (%): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 28.7% in tier
- - Efficiency ratio 2.73% above tier (higher cost structure)
- - Total Assets: Bottom 6.6% in tier
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
214,497
+5.7% YoY+1.3% QoQ
|
-15.9K |
230,353
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$3.1B
+5.9% YoY+1.9% QoQ
|
$-871.9M |
$3.9B
+0.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.3% in tier |
| Loans |
$2.3B
+9.0% YoY+1.9% QoQ
|
$-603.8M |
$2.9B
-0.2% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.5% in tier |
| Deposits |
$2.7B
+2.8% YoY+0.1% QoQ
|
$-591.4M |
$3.3B
-0.3% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.8%
+41.4% YoY-9.6% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.5%
+15.6% YoY+0.6% QoQ
|
+0.4% |
3.1%
+9.8% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
74.1%
-3.3% YoY+1.2% QoQ
|
+2.7% |
71.4%
-1.4% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.2%
-44.9% YoY-3.0% QoQ
|
-0.6 |
0.9%
+5.8% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 6.6% in tier |
| Loan To Share |
85.7%
+6.0% YoY+1.7% QoQ
|
-3.2% |
88.9%
-0.2% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$23,547
-0.2% YoY-0.4% QoQ
|
$-6K |
$29,682
+1.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
28.2%
+13.4% YoY-0.8% QoQ
|
-0.9% | 29.0% | 24.1% | 19.8% | 48% |
| Indirect Auto % |
43.9%
+0.1% YoY-1.2% QoQ
|
+25.6% | 18.3% | 10.8% | 7.8% | Top 7.2% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)