State credit union · Dunedin, Florida · NCUA charter #60087
Achieva Credit Union
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $3.07B
- Total assets
- 214,497
- Members
- 10.0%
- Net-worth ratio
Achieva Credit Union scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.07B; members 214,497; net-worth ratio 9.98%; health rank #33 of 4,374; healthier than 99th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#33 of 4,374 health · 2025Q4Achieva Credit Union · health 100/100 · $3.07B · 2025Q4
- MEM 100/100
- RANK 10.0%
- PHOTO 0.25%
- BOOK 0.53%
- CHARTER $3.07B
- NCUSIF 214,497
- CAMELS #33/4,374
- HEALTH HARBORSTONE
- NW 60087
Call Report peers
Achieva Credit Union in the assets neighbourhood
Achieva Credit Union's $3.07B assets sit next to HARBORSTONE ($3.07B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Achieva Credit Union vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Achieva Credit Union - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60087, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Achieva Credit Union diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 85.73% vs peer 83.90% (+1.83 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.20 pp (9.98% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Achieva Credit Union sits in Florida
- Florida health ordinal: #2 of 109.
- By total assets, Achieva Credit Union is #9 of 109 in Florida.
- Florida membership ordinal: #9 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Achieva Credit Union Call Report trajectory
Achieva Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $3.07B (2025Q4) to $3.15B (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.02% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Achieva Credit Union
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -1.20 pp |
| Delinquency Rate | 0.25% | -0.63 pp |
| Return on Assets | 0.53% | +0.02 pp |
| Member Growth | 5.73% | - |
| Loan-to-Share Ratio | 85.73% | +1.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.15B | - |
| 2025Q4 | $3.07B | 214,497 |
| 2024Q4 | $2.90B | 202,882 |
| 2023Q4 | $2.82B | 194,630 |
Credit Union Details
- Charter Number
- 60087
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Dunedin
- Data Quarter
- 2025Q4
Branch Locations (29)
Achieva Credit Union operates 29 offices across 23 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Center Court (Main Office) | Dunedin, FL |
| Lockwood Commons | Bradenton, FL |
| Del Prado Blvd S | Cape Coral, FL |
| Pine Island | Cape Coral, FL |
| Drew St | Clearwater, FL |
| Dunedin | Dunedin, FL |
| Estero | Estero, FL |
| Colonial Blvd | Fort Myers, FL |
| Land O Lakes | Land O Lakes, FL |
| Largo | Largo, FL |
| Lehigh Acres | Lehigh Acres, FL |
| Hammock Cove | Naples, FL |
| Naples | Naples, FL |
| New Port Richey | New Port Richey, FL |
| North Port | North Port, FL |
| Trinity | Odessa, FL |
| Eastlake Rd | Palm Harbor, FL |
| Palm Harbor | Palm Harbor, FL |
| Park Blvd | Pinellas Park, FL |
| Murdock | Port Charlotte, FL |
| Punta Gorda | Punta Gorda, FL |
| St Pete | Saint Petersburg, FL |
| NE St Pete | Saint Petersburg, FL |
| Bee Ridge Rd | Sarasota, FL |
| Fruitville Rd | Sarasota, FL |
| Mariner Blvd | Spring Hill, FL |
| Viking | St Petersburg, FL |
| Carrollwood Exchange | Tampa, FL |
| E Venice Ave | Venice, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Achieva Credit Union nationwide neighbourhoods
Cross-state asset and health neighbours for Achieva Credit Union - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Achieva Credit Union ranks #33 of 4,374 nationally on financial health and #2 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EGLIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EGLIN
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Achieva Credit Union financially healthy?
Yes/no aside, the number is 100/100 (Excellent) - Achieva Credit Union's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #33 of 4,374; by total assets it ranks #161 of 4,374 nationally (same basis as /rankings/largest); and #9 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.98% net worth ratio and 0.25% delinquency rate are the key drivers.
How does Achieva Credit Union compare to other credit unions?
100/100 is Achieva Credit Union's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Achieva Credit Union?
Membership eligibility for Achieva Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Achieva Credit Union directly for current membership requirements and application steps.
Is my money safe at Achieva Credit Union?
Federal credit unions like Achieva Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Achieva Credit Union's net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Achieva Credit Union offer compared to banks?
Credit unions like Achieva Credit Union are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Achieva Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.