BlastPoint's Credit Union Scorecard
ACHIEVA CREDIT UNION
Charter #60087 · FL
ACHIEVA CREDIT UNION has 7 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.5% in tier
- + Credit Quality Leader: Top 31.9% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.28% above tier average
- + Strong member growth: 6.0% YoY
- + Total Delinquency Rate (60+ days): Top 9.2% in tier
- + First Mortgage Concentration (%): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.9% in tier
- - Credit Risk Growth: Bottom 15.5% in tier
- - Credit Quality Pressure: Bottom 22.3% in tier
- - Efficiency ratio 2.00% above tier (higher cost structure)
- - Total Assets: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
211,662
+6.0% YoY+1.5% QoQ
|
-26.8K |
238,465
+0.6% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$3.0B
+4.8% YoY-1.2% QoQ
|
$-958.1M |
$4.0B
-0.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.6% in tier |
| Loans |
$2.3B
+10.4% YoY+1.5% QoQ
|
$-730.3M |
$3.0B
+3.3% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.5% in tier |
| Deposits |
$2.7B
+4.1% YoY-2.0% QoQ
|
$-617.4M |
$3.3B
+1.1% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.9%
+57.1% YoY-3.2% QoQ
|
+0.1% |
0.7%
+5.3% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
3.5%
+18.5% YoY+1.5% QoQ
|
+0.3% |
3.2%
+13.7% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
73.3%
-4.3% YoY+0.1% QoQ
|
+2.0% |
71.3%
-0.6% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.3%
+20.3% YoY-11.5% QoQ
|
-0.6 |
0.8%
+15.9% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
84.3%
+6.1% YoY+3.6% QoQ
|
-6.6% |
90.8%
+2.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$23,643
+0.9% YoY-1.9% QoQ
|
$-5K |
$29,088
+0.1% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
28.4%
+12.1% YoY+2.6% QoQ
|
-0.6% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
44.4%
+2.1% YoY-0.3% QoQ
|
+25.6% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Top 7.6% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)