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.
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ACHIEVE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACHIEVE sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ACHIEVE diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 44.09% vs peer 72.20% (-28.11 pp).
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).
- One place up in Ohio, Greater Cincinnati School (#93) ties at 84/100; one place down, Christo Rey (#95) ties at 84/100.
Quarter path for ACHIEVE
ACHIEVE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $194.3M (2025Q4) to $199.5M (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.81% → 11.64%).
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
ACHIEVE gives up 16 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ACHIEVE financially healthy?
ACHIEVE has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,119 of 4,374 nationally on health and #94 of 196 in Ohio. Its net worth ratio is 11.64% and its delinquency rate 1.22%.
How does ACHIEVE compare to other credit unions?
ACHIEVE scores 84/100, higher than 50% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (44.09% vs 72.20%).
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?
ACHIEVE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.