State credit union · Berlin, Connecticut · NCUA charter #61256
Achieve Financial
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $183.7M
- Total assets
- 16,452
- Members
- 8.7%
- Net-worth ratio
Achieve Financial scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $183.7M; members 16,452; net-worth ratio 8.73%; health rank #4,097 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,097 of 4,374 health · 2025Q4Achieve Financial · health 59/100 · $183.7M · 2025Q4
- HEALTH 59/100
- NW 8.7%
- DELQ 2.48%
- ROA 0.09%
- ASSETS $183.7M
- MEM 16,452
- RANK #4,097/4,374
- PHOTO Miami Firefighters
- BOOK 61256
Call Report peers
Achieve Financial in the assets neighbourhood
Achieve Financial's $183.7M assets sit next to Miami Firefighters ($183.7M) 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 Financial 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
59 6th percentile higher than 6% 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 Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61256. See our deposit-insurance coverage note.
Achieve Financial vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.99 pp (67.21% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Achieve Financial sits in Connecticut
- Health composite ranks #58 of 64 among scored Connecticut credit unions.
- Assets rank #13 of 64 inside Connecticut ($183.7M reported).
- Membership ranks #13 of 64 among Connecticut CUs with a reported count (16,452 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Achieve Financial's 5300 filing moved
Achieve Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.3% from $183.7M (2025Q4) to $177.6M (2026Q1).
- Net-worth ratio shifted +0.25 pp (8.48% → 8.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 9.5 pts
- Return on Assets 8.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for Achieve Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.73% | -3.38 pp |
| Delinquency Rate | 2.48% | +1.58 pp |
| Return on Assets | 0.09% | -0.54 pp |
| Member Growth | -5.21% | - |
| Loan-to-Share Ratio | 67.21% | -4.99 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).
Achieve Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.6M | - |
| 2025Q4 | $183.7M | 16,452 |
| 2024Q4 | $182.1M | 17,356 |
| 2023Q4 | $192.5M | 17,859 |
Credit Union Details
- Charter Number
- 61256
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- Berlin
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Achieve Financial runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Berlin (Main Office) | Berlin, CT |
| Meriden | Meriden, CT |
| New Britain | New Britain, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Achieve Financial nationwide neighbourhoods
Two NCUA Call Report peer sets for Achieve Financial, both outside Connecticut 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 ($183.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
Using this data
- Achieve Financial ranks #4,097 of 4,374 nationally on financial health and #58 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELLAFI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELLAFI
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Financial financially healthy?
Yes/no aside, the number is 59/100 (Fair) - Achieve Financial'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 #4,097 of 4,374; by total assets it ranks #1,339 of 4,374 nationally (same basis as /rankings/largest); and #13 of 64 within Connecticut. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.73% net worth ratio and 2.48% delinquency rate are the key drivers.
How does Achieve Financial compare to other credit unions?
Achieve Financial scores 59/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Financial?
Membership eligibility for Achieve Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Achieve Financial directly for current membership requirements and application steps.
Is my money safe at Achieve Financial?
Federal credit unions like Achieve Financial 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 Financial's net worth ratio of 8.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Achieve Financial offer compared to banks?
Credit unions like Achieve Financial 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 Financial 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.