ACHIEVE
Charter #97094 · ELYRIA, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.29% sits at the 85th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 85th — a 30-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $199.47M | 51th pct | 75th pct |
| Members | 11,254 | 39th pct | 59th pct |
| Net worth ratio | 11.64% | 52th pct | 46th pct |
| Return on average assets | 0.55% | 39th pct | 38th pct |
| Net interest margin | 3.29% | 29th pct | 26th pct |
| Cost of funds | 1.29% | 55th pct | 85th pct |
| Loan-to-share | 43.07% | 6th pct | 23th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 66th pct |
| Net charge-off ratio | 0.24% | 36th pct | 26th pct |
| Loan growth YoY | 0.01% | 48th pct | 67th pct |
| Share growth YoY | 4.82% | 69th pct | 75th pct |
| Efficiency ratio | 83.52% | 68th pct | 70th pct |
structural peer set hash: cb276e2e348e708c803f780672b19be0… (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.