Federal credit union · ELYRIA, Ohio · NCUA charter #97094
ACHIEVE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $194.3M
- Total assets
- 11,204
- Members
- 11.6%
- Net-worth ratio
ACHIEVE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $194.3M; members 11,204; net-worth ratio 11.64%; health rank #2,119 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,119 of 4,374 health · 2025Q4ACHIEVE · health 84/100 · $194.3M · 2025Q4
- ROA 84/100
- ASSETS 11.6%
- MEM 1.22%
- RANK 0.61%
- PHOTO $194.3M
- BOOK 11,204
- CHARTER #2,119/4,374
- NCUSIF RIVERFALL
- CAMELS 97094
ACHIEVE in the assets neighbourhood
ACHIEVE's $194.3M assets sit next to RIVERFALL ($194.4M) 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.
ACHIEVE 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
84 Top 50% higher than 50% 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
ACHIEVE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #97094: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ACHIEVE diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 44.09% vs peer 72.20% (-28.11 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ACHIEVE in Ohio
- Health composite ranks #94 of 196 among scored Ohio credit unions.
- Ohio assets place: #51 of 196.
- Membership ranks #60 of 196 among Ohio CUs with a reported count (11,204 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ACHIEVE
ACHIEVE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $194.3M (2025Q4) to $199.5M (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.81% → 11.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 9.8 pts
ACHIEVE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.64% | -0.47 pp |
| Delinquency Rate | 1.22% | +0.32 pp |
| Return on Assets | 0.61% | -0.01 pp |
| Member Growth | 1.49% | - |
| Loan-to-Share Ratio | 44.09% | -28.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $199.5M | - |
| 2025Q4 | $194.3M | 11,204 |
| 2024Q4 | $175.8M | 11,039 |
| 2023Q4 | $167.4M | 11,099 |
Credit Union Details
- Charter Number
- 97094
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- ELYRIA
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, ACHIEVE runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Achieve Credit Union, Inc. (Main Office) | Elyria, OH |
| Achieve Credit Union, Inc. | Lagrange, OH |
| Achieve Credit Union, Inc. | Lorain, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for ACHIEVE
Two NCUA Call Report peer sets for ACHIEVE, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($194.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- ACHIEVE ranks #2,119 of 4,374 nationally on financial health and #94 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ABBEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ABBEY
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 ACHIEVE financially healthy?
ACHIEVE scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,119 of 4,374; by total assets it ranks #1,293 of 4,374 nationally (same basis as /rankings/largest); and #51 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.64% net worth ratio and a 1.22% delinquency rate.
How does ACHIEVE compare to other credit unions?
Five weighted metrics from NCUA filings produce ACHIEVE's 84/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 ACHIEVE?
Membership eligibility for ACHIEVE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ACHIEVE directly for current membership requirements and application steps.
Is my money safe at ACHIEVE?
Federal credit unions like ACHIEVE 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. ACHIEVE's net worth ratio of 11.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ACHIEVE offer compared to banks?
Credit unions like ACHIEVE 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 ACHIEVE 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.