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
Call Report peers
Achieve Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Achieve Financial sits in 55-59 with 115 others.
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 vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.99 pp (67.21% vs 72.20%).
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).
- One place up in Connecticut, SOUND (#57) scores 60/100, 1 point higher; one place down, FINEX (#59) scores 57/100, 2 points lower.
How Achieve Financial's 5300 filing moved
Achieve Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.3% from $183.7M (2025Q4) to $177.6M (2026Q1).
- Net-worth ratio shifted +0.25 pp (8.48% → 8.73%).
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
Achieve Financial gives up 41 points in total. Delinquency Rate costs the most, 15.5 of its 25; Loan-to-Share Ratio loses the least, 0.6.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Achieve Financial financially healthy?
Achieve Financial has a financial health score of 59/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,097 of 4,374 nationally on health and #58 of 64 in Connecticut. Its net worth ratio is 8.73% and its delinquency rate 2.48%.
How does Achieve Financial compare to other credit unions?
Achieve Financial scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (67.21% vs 72.20%).
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?
Achieve Financial is a state-chartered 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 Financial's net worth ratio of 8.73% 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.