ACHIEVE FINANCIAL
Charter #61256 · Berlin, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.73% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of -0.44% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.83% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.24% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 41st — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ACHIEVE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.61M | 42th pct | 52th pct |
| Members | 15,998 | 63th pct | 62th pct |
| Net worth ratio | 8.73% | 11th pct | 8th pct |
| Return on average assets | -0.44% | 4th pct | 5th pct |
| Net interest margin | 3.85% | 63th pct | 41th pct |
| Cost of funds | 0.78% | 29th pct | 38th pct |
| Loan-to-share | 65.12% | 36th pct | 56th pct |
| Delinquency 60+ days | 2.83% | 98th pct | 97th pct |
| Net charge-off ratio | 1.24% | 93th pct | 87th pct |
| Loan growth YoY | -4.70% | 7th pct | 3th pct |
| Share growth YoY | 2.02% | 27th pct | 34th pct |
| Efficiency ratio | 88.81% | 82th pct | 70th pct |
structural peer set hash: 1b34df18d54007d96eb9c3ab90808b1e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.