BlastPoint's Credit Union Scorecard
ACHIEVE
Charter #97094 · OH
ACHIEVE has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.0% in tier
- + Organic Growth Engine: Top 25.7% in tier
- + Wallet Share Momentum: Top 28.3% in tier
- + Emerging Performer: Top 92.6% in tier
- + ROA 0.02% above tier average
- + Loan Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 16.1% in tier
- - Delinquency rate 0.39% above tier average
- - Loan-to-Share Ratio: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,187
+1.7% YoY+0.3% QoQ
|
-4.4K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$190.0M
+9.5% YoY+1.0% QoQ
|
$-41.3M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$77.5M
+16.6% YoY+4.3% QoQ
|
$-70.3M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$171.7M
+9.4% YoY+0.3% QoQ
|
$-28.5M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
0.8%
+4.1% YoY+19.7% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.6%
-2.2% YoY-1.4% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
76.2%
+0.7% YoY-2.5% QoQ
|
-1.1% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.2%
-4.6% YoY+7.3% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
45.1%
+6.6% YoY+3.9% QoQ
|
-27.6% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$22,281
+9.8% YoY+1.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
31.2%
+33.8% YoY+8.1% QoQ
|
+6.8% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.2%
+10.2% YoY+8.4% QoQ
|
+5.2% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)