BlastPoint's Credit Union Scorecard

ACHIEVE

Charter #97094 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

ACHIEVE has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ First Mortgage Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.19% below tier average
- Efficiency ratio 5.50% above tier (higher cost structure)
- Loan-to-Share Ratio: Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	11,254 +1.2% YoY+0.4% QoQ	-3.9K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	39%
Assets	$199.5M +9.2% YoY+2.7% QoQ	$-32.2M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	51%
Loans	$77.5M +8.8% YoY+0.3% QoQ	$-66.6M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	23%
Deposits	$180.0M +8.3% YoY+2.6% QoQ	$-21.1M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +0.5% YoY-21.5% QoQ	-0.2%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	39%
NIM	3.3% -10.8% YoY-7.1% QoQ	-0.4%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	83.5% +3.3% YoY+6.2% QoQ	+5.5%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.8% -11.0% YoY-34.7% QoQ	+0.0	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	65%
Loan To Share	43.1% +0.5% YoY-2.3% QoQ	-27.4%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Bottom 6.3% in tier
AMR	$22,884 +7.1% YoY+1.5% QoQ	$-2K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	49%
CD Concentration	33.0% +31.3% YoY+3.1% QoQ	+8.7%	24.3%	19.4%	19.8%	50%
Indirect Auto %	20.8% +21.5% YoY+5.2% QoQ	+7.0%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#263 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.14%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Emerging Performer

growth

#157 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.54%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#126 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: 83.52%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.00% points

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

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#216 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.16%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 20.79%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 7.32%

Peer Median: 29.47%

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

135

Asset Growth Rate

growth

Value: 9.16%

Peer Median: 3.91%

#135 of 1070 Top 12.5% in 100M-500M tier

167

Deposit Growth Rate

growth

Value: 8.30%

Peer Median: 3.30%

#167 of 1070 Top 15.5% in 100M-500M tier

204

AMR Growth Rate

growth

Value: 7.14%

Peer Median: 3.46%

#204 of 1070 Top 19.0% in 100M-500M tier

225

Loan Growth Rate

growth

Value: 8.84%

Peer Median: 2.93%

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1003

Loan-to-Share Ratio

balance_sheet

Value: 43.07%

Peer Median: 71.88%

#1003 of 1070 Bottom 6.4% in 100M-500M tier

861

Members Per Employee (MPE)

engagement

Value: 250.089

Peer Median: 309.176

#861 of 1070 Bottom 19.6% in 100M-500M tier

857

Share Certificate Concentration (%)

balance_sheet

Value: 32.98%

Peer Median: 23.10%

#857 of 1070 Bottom 20.0% in 100M-500M tier

832

Loan-to-Member Ratio (LMR)

engagement

Value: $6,889

Peer Median: $9,356

#832 of 1070 Bottom 22.3% in 100M-500M tier

826

Total Loans

balance_sheet

Value: $77.53M

Peer Median: $121.41M

#826 of 1070 Bottom 22.9% in 100M-500M tier