# ACHIEVA CREDIT UNION
Dunedin, FL · NCUA charter 60087 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/achieva-credit-union-60087

Who the members are: state charter, organized 1937, low-income designated. 218,701 members of 16,424,657 potential (1.3% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 88.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.15B |
| Members | 218,701 (5.4% YoY) |
| Full-time staff | 544 |
| Net worth | $314.3M |
| Net worth ratio | 10.0% (p33 of band) |
| ROA (annualized) | 0.86% (p63 of band) |
| Total delinquency | 0.32% (p17 of band) |
| Net charge-offs (annualized) | 0.51% (p51 of band) |
| Loans / shares | 85% (p45 of band) |
| Cash / assets | 5.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p60 of band) |
| Operating expense / assets | 3.28% (p54 of band) |
| Vehicles % of loans | 55% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 346% (p90 of band) |
| Vehicle delinquency | 0.09% (p3 of band) |
| Vehicle NCO | 0.26% (p7 of band) |
| Repossessed % of vehicle book | 0.06% (p44 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 30% |
| Average share balance | $6,955 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $90.1M |
| Loans outstanding per 100 members | 88% |
| Loans granted per 100 members, annualized | 40% |
| Average loan balance | $12,627 |
| Loans granted, annualized | $1.92B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $90.1M outstanding purchased (28.7% of net worth), $7.4M sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 1 |  | delinquency 2x band |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 2 | net worth falling | charge-offs p90 |
| 2020-06 | 4 | margin squeeze, delinquency 2x band |  |
| 2020-09 | 3 |  | delinquency 2x band |
| 2020-12 | 4 | members leaving |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | net worth falling, members leaving |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-02 [Achieva Credit Union Presents Historic $1 Million Gift to SPC - St. Petersburg College](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQU0FtVkhSZXFoTmczdVFWWVVuclBiR1NJcHZncUpvd2NaUHdkYXB1d1dRSk1LeWpZdUdPaTBiMG4tQ3N6c2RXaTExODFPMDdfYUw1d1Z5b1lZR3htTHdFNVBYS1ZfaTc2c0VOQ0d2Q1ZlMzl3azN2TFRyWjIxWi1zQ1VVNk9UWlFXeDNTb1U2cnM4akdvdXB0ZVRuYTV3Nmo3eWZpaXNiYTNGdlc4V3JFUHJRUlZWSGtu?oc=5) · St. Petersburg College
- 2025-09-28 [Achieva Credit Union Opens Hernando County Branch - hernandosun.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbUZsRGVNWkRtQ05xaDVmd1RTbnkyNnY2ZnZnN1dFaFZFTHBxZlRSeWc5aGoxckNIaXExU2RvaENObnFvemlxdlJRR09Wb010VE1kcGNFU0ZNMzl1QVV0MkViSFNwREs5Vi13U1JLWWhUQm1oeHFGOXk4NmJIaGk2d2ZZbWszeHVPX18yLWJSOTRvdzA?oc=5) · hernandosun.com
- 2020-11-24 [Achieva strikes deal to buy Tampa credit union Coast 2 Coast - St Pete Catalyst](https://news.google.com/rss/articles/CBMikgFBVV95cUxNOUEzREpnMVJfZ1JOVFFWVHYyNjNFWjIxY3FwdEVzZlQ3R1AwMUxZNTBWWnFPREFETXYzTjZnb1BVbFM2dXZoX0V1czg2LTFDTmdybl9hbWtOSHJYQmNaNC1UVzFxeXpPaUpZNi02cDF6NDMyaXFUQ3RkaUF1aGE3clZ2VjlRRkY4QnhXeGx5NDZIQQ?oc=5) · St Pete Catalyst
- 2025-04-10 [Achieva Credit Union names market president for South Florida region - TBBW](https://news.google.com/rss/articles/CBMiogFBVV95cUxPTTlqUDFuejJWRk1GanVmOGtUZGk1ZjB4MGZrU1VPeW9uOFJlVlozLWxCamstZlIwVEM3czlUX2FMSE02Y3ZycHJHNzktVDFoQ1VMemNaN2ZvMjNWYUxjR21TOC1EVFhnbmljdmNBWFJaVDFGVjVoQkpJa2dOWE5xb2JyV1lPY2hfLXF3S3RWQUdmcFdaalhERmhhakR0ei1IT3c?oc=5) · TBBW
- 2024-03-29 [Achieva Credit Union announces managers for new Cape branch - Cape Coral Breeze](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOWUpCa0tHSUFWY0RaanJIcmZMR1pSMmNxNjNwSk9MSkQ4RlI5Qm83YWI2Ty1CdXdVN05Ya2FXTHlXMUtnd3ljLWNYek4yOFBPU2VSano1TFkwUF9PdG4wX1FtODZIUFhTUGhWWmdmQ2FtbzZaUVJoN2NIOFRCYm0zOG1QYk9ZU0hpdmdHVVlfSE84VWtpQVoyQ0QtU2VXRnZ0TWQ0Vl81NEpMQWJRTE1IM1lnd3p3QXBi?oc=5) · Cape Coral Breeze
- 2020-11-24 [Achieva Credit Union to Acquire Coast 2 Coast Financial Credit Union - Sarasota Magazine](https://news.google.com/rss/articles/CBMixgFBVV95cUxOT09HSUdIY0VxcTVMUDNKVUdCblBSWHZxV2VDM0Z2dFp1MmJ6RWdwZ0hNemg4clpKSjdseWMxZ252bWlxcFMyRTRPNWZaeVprWlFIUUZsYUJIb2pyd2w2WXdHQ3BqSndmU3RaYVpZeE12VHR1TmF3XzJ3d2xUZGwxdm1sdHROSzJZdmRZbVFKcDFUMl9Rd3NjdEg2cDZYNko2NjdlNDh0V0hlSlBHLWw1Q3VMRDF6VlR5dWptQnIxbU5WOTMwUVE?oc=5) · Sarasota Magazine
- 2025-07-28 [Florida Sees Another Growth Spurt as It Attracts More Credit Union Branches - CUTimes](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZDF4VDhrb1VtTVB4YUl1dFJKOU5kdzlBOEFJTmhqaWJNdVE0ZUNPWmhaa3NzZ2pkTm5acURrcUtJLWYxUjZtUWgxal85d3lpRm1jSDN0dlBhLVlydXhTWmh2eUYyRVJ2T29lRUZGXzdjUHdYR2I1Mm9MR1FKRmRDeS05RFYyVjM0ZEtVV0t6YzJBdU5hVjQ4UG5zTGpyWVNTR0o3Vnk2R1JvVURBdFVqZQ?oc=5) · CUTimes
- 2023-07-10 [Help kids and teachers by donating school supplies - wtsp.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPcTZ6ZVVINHl2ZWpjMlh2bmJydDhMTFlCLW54Z2VXaG9WSkllUEF4X3JmUTlRMUJtYkJJWGhhVG94N1BicjlocEhJdHZLQ3VZNVBwandJdi1XUEM4cmJ3b0psOGxocVdhUVpwcW9Ga3NkeWJjY1RUMHoycnBzLTVoYUpaWkNsYmd2N0lpRnFNekc5Z1NsN0ZaRjA3RzhYcXpTZXF2T2p5V0YzMFloUmpLVHMxNA?oc=5) · wtsp.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60087 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "60087", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60087
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide