# ACHIEVE FINANCIAL
Berlin, CT · NCUA charter 61256 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/achieve-financial-61256

Who the members are: state charter, organized 1954. 15,998 members of 1,746,477 potential (0.9% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 57.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $177.6M |
| Members | 15,998 (-7.1% YoY) |
| Full-time staff | 34 |
| Net worth | $15.3M |
| Net worth ratio | 8.6% (p10 of band) |
| ROA (annualized) | -0.45% (p5 of band) |
| Total delinquency | 2.83% (p97 of band) |
| Net charge-offs (annualized) | 1.26% (p92 of band) |
| Loans / shares | 65% (p41 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p64 of band) |
| Operating expense / assets | 4.94% (p86 of band) |
| Vehicles % of loans | 32% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 82% (p66 of band) |
| Vehicle delinquency | 4.29% (p99 of band) |
| Vehicle NCO | 1.73% (p88 of band) |
| Repossessed % of vehicle book | 1.16% (p98 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 5% |
| Average share balance | $4,857 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,612 |
| Loans granted, annualized | $25.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 1 |  | delinquency 2x band, losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 2 | members leaving | delinquency 2x band |
| 2017-09 | 2 | expense trap | members leaving |
| 2017-12 | 1 |  | expense trap |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | expense trap |  |
| 2018-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 2 |  | expense trap, delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | expense trap | delinquency 2x band |
| 2019-12 | 3 | delinquency 2x band |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 5 | net worth falling, margin squeeze | expense trap |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 7 | capital below 7%, 3rd-party paper>100% NW | losing money |
| 2021-06 | 6 |  | margin squeeze |
| 2021-09 | 6 | delinquency rising | net worth falling |
| 2021-12 | 7 | charge-offs p90 |  |
| 2022-03 | 6 |  | delinquency rising |
| 2022-06 | 4 |  | capital below 7% |
| 2022-09 | 5 | members leaving |  |
| 2022-12 | 4 |  | members leaving |
| 2023-03 | 4 | leaning on borrowings | charge-offs p90 |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 7 | losing money, delinquency rising, assets shrinking |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 6 |  | delinquency rising |
| 2024-12 | 6 | delinquency rising | losing money |
| 2025-03 | 5 | losing money | assets shrinking, delinquency rising |
| 2025-06 | 6 | members leaving, loan book shrinking | losing money |
| 2025-09 | 6 |  |  |
| 2025-12 | 3 |  | 3rd-party paper>100% NW, leaning on borrowings, loan book shrinking |
| 2026-03 | 7 | losing money, charge-offs p90, repo signal, assets shrinking |  |

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

- 2025-06-18 [CT LIVE: Achieve Financial Credit Union - nbcconnecticut.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMFZqZkhZd2haalFUWWdrQ1htZ2lvMDhLaGt5eURrWEYtS1M4TU5od2VabjFxTW1BaXNpMFRiOGYycGFpZVp6MUpQYmFCNkJnZ1Rtd0wxMkdnR3NsWmh0d1RETmlEVTExeEFXSEU3a3NJbG1Qb2hIVmc4V3htUVNYek9HSE8xRXlCdlZSc3ljNmxVSm1FNW96aUIzMUxrWUs5Mnl2LTVqQ3pYZ9IBsgFBVV95cUxNdEVMcWl5VC1fNGpDNDBmTUpfOTE0QW83R0MtN3RNM20xc3N2NmxxVU5RZFFfMl91VFBxVDNZUWYxTS1qUHV1RmM0QnZwVG9IeVRBZTd5MWM5N3ZxcC1nVS1VTEFOcnhkWEthaVFBQmxmWG9FczhLcmtLWnFIdThCR3RiVTdRbENGRzVEc2FCclJpZ1diQUxDYjU2LUZ3VTUtclpvVHE3SmNZZXRpaXdmSDJB?oc=5) · nbcconnecticut.com
- 2026-02-17 ['Explosives' in Connecticut Robbery Plot Were Hoaxes, Sources Say - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWVpCT1RFekVfaXdTNXFtZzJOMjhkTmNFU1BBSmJDUmhkTVQ2QjZubDJwcVZvaHduaDlXVGxxSDRmc3JHd3JyODFVd0VnUHVIVmVrY2t0S3JsU3ExX1RLT3VGVjFHMGFqVXo5VlMySUxMeVdDMFVFb29xWnVBamQwMV9adjMwVFA2V1FyUzJhbGVGMWFkeVHSAZsBQVVfeXFMTUxzX0JqVmo4cFczTWtWZW1VUnI2TjdFSFFtZWJBYlkxbDlSRDFtSDlSOHlrSVd1QXpFZ2FCTmNvNlgxVGQ4MzRBcDVIQV91S2NWMUJVWnFfNWNiSHBKc2NWcmU5QXd3TVhPZ1RUaWprTEFaS1dQcDdwQ19iQ3A4UXYxYWsyeG5Zc1UzcUo1d3BDN2pGMWhwLV9WQm8?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2023-04-12 [Achieve Financial Credit Union opens modernized New Britain branch - Hartford Business Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxQcTNrVTUyUE54OXhyblZROURDVkd4YmdWT3hINDZjZ1Vxd2hCNGxoY2FUUmFUYzlIZkVmekZhUzg4QUt5T2lHOFA1YmlwSkdyU1pFQ1NTaHFFQWJYdkprZGdpYXpEWk16N1IyRUpZdjhBaTNpQTFfQUtrWnFMeTVYM09mN05oNWtzVnlxOHY5aUxlOFc2YWZPVlJ2M1A0UlZ1SHlOMWt6Yw?oc=5) · Hartford Business Journal
- 2015-02-25 [Fake explosive strapped to New Britain credit union official, and under mother's bed in Connecticut - ABC7 New York](https://news.google.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?oc=5) · ABC7 New York
- 2017-07-18 [Man involved in bizarre New Britain bank robbery sentenced to 4 life terms plus 155 years - fox61.com](https://news.google.com/rss/articles/CBMiqAJBVV95cUxOc1JrUV9QSTVwOExRUnRpY1R6ZG9sMllDUUt3MXYxdzFkMEtRVDlWT1RWV2xHMjViLWY4MFA3LUNnWTFZVW0wUmFrcDZYdk5aRHpKU1dFdUs3ZVBLelk0TnhKb3NQQTVfZ1hyaVJrZVFZZmhySlpnR21vQThSaFBJQ25uY0d4dXZGeEEzTXR2RXUtczZ6eW53bUVxNFJJMlNNSmxEVHJ5Q29NeGpzck8wdHQ1SG5HdkdfZzlwZnZjTXY2OHpzX0JzM1FJQmFiajRmQUNuZXNJSm90eUIxeTA2NnBobE9NZ09WTGZBUWN0cUNYRkJZUmJJX3V2ZHRVYjNDZ3dUR0owekpqWHBCQXE3NDUyOUpVblFuaWpxUjhMbXNZMmUyMDBlTw?oc=5) · fox61.com
- 2015-02-23 [New Britain bomb scare: Home invasion, robbery plot linked to Connecticut bomb scare, police say - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSmJiODdZbTNJWHRZTUNhMklSZlJwSi1ROUsycTl4MWN4Ukk2aUVGUUtFMVdxSy1tRU5CenBuNnM4X3YtUjJueHZNTWdLRnM5TWh3N2Z2MEJCc1VfRWtKbTQ3SnBUckdDVVNxLWRTM082Mk9uSzcza1RtZ2xSWVVnTzRTX2dpS29Cb3c0OTBwRlZYX0hYYzF6Wkhn0gGfAUFVX3lxTE9nOHhzUjE5U0xucWFuSlEzLXhFbV9wVWkzZldUQ09mRGpjbl82MjBXR283X01nUkl2VDg3RUNuSFl2Q2JnbFRpbTdzcTlXVFlydFBsYS03Q0ZReXozQVkxUnNtSmhYNFVySm5nd1VRbFp4UlNPNHRwSTBOQTF1UU9BaDVfTGMyS3JhUkhoY09jUXRQTm8tWU90SU51OXdCRQ?oc=5) · CBS News
- 2024-05-24 [Google Wallet adds 25 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwTkhxMVhwV09EeXQ3dVp1eE1kR0JRc3RacUU0bHhOQ2tWS2c0THhwa3BqNVN2ZGJKbzFxS1E3N043bkRUTjVBelA1VllDTWlXMGMzRTVRQy1OVmstUGZOSHNobC0zVVk1RDFHUQ?oc=5) · androidpolice.com
- 2017-07-18 [Man Sentenced to 4 Life Sentences in Bizarre Fake Bomb Bank Robbery in New Britain - nbcconnecticut.com](https://news.google.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?oc=5) · nbcconnecticut.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61256 (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/8.json (key "61256", 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=61256
- 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