BlastPoint's Credit Union Scorecard
ACHIEVE FINANCIAL
Charter #61256 · CT
ACHIEVE FINANCIAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Share Certificate Concentration (%): Top 3.8% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 10.32% above tier (higher cost structure)
- - Delinquency rate 1.58% above tier average
- - Member decline: -5.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,452
-5.2% YoY-0.3% QoQ
|
+1.0K |
15,437
-2.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$183.7M
+0.9% YoY-0.1% QoQ
|
$-48.2M |
$231.9M
+1.3% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$109.6M
-8.9% YoY-1.1% QoQ
|
$-37.7M |
$147.3M
-0.1% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$163.1M
+3.4% YoY+2.6% QoQ
|
$-37.7M |
$200.8M
+0.8% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.3%
+232.5% YoY+24.1% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.8%
+8.0% YoY+0.7% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
87.3%
+0.1% YoY-0.3% QoQ
|
+10.3% |
77.0%
-3.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.5%
-0.4% YoY-3.8% QoQ
|
+1.6 |
0.9%
+4.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
67.2%
-11.9% YoY-3.6% QoQ
|
-5.0% |
72.2%
-1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$16,580
+3.5% YoY+1.3% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
3.7%
+34.6% YoY+6.2% QoQ
|
-20.7% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % |
13.3%
-34.2% YoY-12.6% QoQ
|
-0.5% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)