BlastPoint's Credit Union Scorecard
ACHIEVE
Charter #97094 · OH
ACHIEVE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 37.7% in tier
- + Organic Growth Leader: Top 71.5% in tier
- + Organic Growth Engine: Top 86.0% in tier
- + Emerging Performer: Top 95.6% in tier
- + Loan Growth Rate: Top 9.8% in tier
- + First Mortgage Concentration (%): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 45.1% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 1.60% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Loan-to-Share Ratio: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,204
+1.5% YoY+0.2% QoQ
|
-4.2K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$194.3M
+10.5% YoY+2.3% QoQ
|
$-37.6M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$77.3M
+13.0% YoY-0.2% QoQ
|
$-70.0M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$175.4M
+9.4% YoY+2.1% QoQ
|
$-25.4M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
51% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+1.9% YoY-15.0% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.5%
-3.4% YoY-1.7% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
78.6%
+0.6% YoY+3.2% QoQ
|
+1.6% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.2%
-14.2% YoY-2.7% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
44.1%
+3.3% YoY-2.3% QoQ
|
-28.1% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.7% in tier |
| AMR |
$22,555
+8.8% YoY+1.2% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
32.0%
+31.9% YoY+2.6% QoQ
|
+7.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
19.8%
+20.0% YoY+2.8% QoQ
|
+6.0% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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)