BlastPoint's Credit Union Scorecard

ACHIEVE FINANCIAL

Charter #61256 · CT

100M-500M

1070 CUs in 100M-500M nationally 13 in CT

ACHIEVE FINANCIAL has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.28% above tier average
+ Share Certificate Concentration (%): Top 4.4% in tier
+ Members Per Employee (MPE): Top 8.9% 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
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.18% below tier average
- Efficiency ratio 10.79% above tier (higher cost structure)
- Delinquency rate 2.05% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	15,998 -7.1% YoY-2.8% QoQ	+852	15,145 -2.5% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	63%
Assets	$177.6M -4.5% YoY-3.3% QoQ	$-54.1M	$231.7M +0.8% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	42%
Loans	$105.7M -9.3% YoY-3.6% QoQ	$-38.5M	$144.1M +0.2% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	39%
Deposits	$162.3M +0.1% YoY-0.5% QoQ	$-38.9M	$201.1M +0.4% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.4% -255.8% QoQ	-1.2%	0.7% +5.1% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	Bottom 3.6% in tier
NIM	3.9% +6.9% YoY+2.2% QoQ	+0.3%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	69%
Efficiency Ratio	88.8% -2.2% YoY+1.7% QoQ	+10.8%	78.0% -1.7% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	2.8% +16.1% YoY+14.1% QoQ	+2.1	0.8% +7.1% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	Bottom 2.4% in tier
Loan To Share	65.1% -9.3% YoY-3.1% QoQ	-5.3%	70.4% -0.4% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	36%
AMR	$16,749 +3.5% YoY+1.0% QoQ	$-8K	$24,918 +2.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	15%
CD Concentration	4.7% +92.7% YoY+24.5% QoQ	-19.6%	24.3%	14.5%	19.8%	50%
Indirect Auto %	11.8% -36.5% YoY-11.0% QoQ	-2.0%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#3 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.26%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.83%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#23 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $177.61M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -7.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.26%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#73 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#169 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.39% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Efficiency Drag

risk

#467 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.81%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.41% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -7.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 4.66%

Peer Median: 23.10%

#48 of 1070 Top 4.4% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 470.529

Peer Median: 309.176

#96 of 1070 Top 8.9% in 100M-500M tier

Top Weaknesses (11 metrics)

1045

Total Delinquency Rate (60+ days)

risk

Value: 2.83%

Peer Median: 0.61%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1034

Loan Growth Rate

growth

Value: -9.26%

Peer Median: 2.93%

#1034 of 1070 Bottom 3.5% in 100M-500M tier

1032

Return on Assets (ROA)

profitability

Value: -0.45%

Peer Median: 0.69%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

1031

Asset Growth Rate

growth

Value: -4.52%

Peer Median: 3.91%

#1031 of 1070 Bottom 3.7% in 100M-500M tier

1007

Member Growth Rate

growth

Value: -7.08%

Peer Median: -0.06%

#1007 of 1070 Bottom 6.0% in 100M-500M tier

997

Net Charge-Off Rate

risk

Value: 1.26%

Peer Median: 0.35%

#997 of 1070 Bottom 6.9% in 100M-500M tier

955

Net Worth Ratio

risk

Value: 8.73%

Peer Median: 11.45%

#955 of 1070 Bottom 10.8% in 100M-500M tier

905

Average Member Relationship (AMR)

engagement

Value: $16,749

Peer Median: $22,931

#905 of 1070 Bottom 15.5% in 100M-500M tier

877

Efficiency Ratio

profitability

Value: 88.81%

Peer Median: 78.68%

#877 of 1070 Bottom 18.1% in 100M-500M tier

870

Loan-to-Member Ratio (LMR)

engagement

Value: $6,606

Peer Median: $9,356

#870 of 1070 Bottom 18.8% in 100M-500M tier