# ACHIEVE
ELYRIA, OH · NCUA charter 97094 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/achieve-97094

Who the members are: state charter, organized 1958. 11,254 members of 710,000 potential (1.6% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 87.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $199.5M |
| Members | 11,254 (1.2% YoY) |
| Full-time staff | 44 |
| Net worth | $23.2M |
| Net worth ratio | 11.6% (p49 of band) |
| ROA (annualized) | 0.54% (p39 of band) |
| Total delinquency | 0.79% (p63 of band) |
| Net charge-offs (annualized) | 0.24% (p38 of band) |
| Loans / shares | 43% (p11 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p27 of band) |
| Operating expense / assets | 3.27% (p36 of band) |
| Vehicles % of loans | 54% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 38% |
| Third-party paper % of net worth | 69% (p62 of band) |
| Vehicle delinquency | 0.54% (p49 of band) |
| Vehicle NCO | 0.03% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 33% |
| Average share balance | $8,515 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 87% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $7,916 |
| Loans granted, annualized | $27.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 | assets shrinking | delinquency rising |
| 2018-03 | 0 |  | assets shrinking |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, losing money |  |
| 2020-06 | 4 | margin squeeze, delinquency rising |  |
| 2020-09 | 4 | delinquency 2x band | delinquency rising |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | members leaving | delinquency 2x band |
| 2021-12 | 2 | delinquency 2x band | losing money |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 2 | losing money |  |
| 2022-09 | 1 | delinquency rising | members leaving, losing money |
| 2022-12 | 1 | assets shrinking | delinquency rising |
| 2023-03 | 3 | delinquency rising, members leaving |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 | net worth falling | assets shrinking, members leaving |
| 2024-06 | 1 | delinquency rising | net worth falling |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising, delinquency 2x band |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-08-05 [Achieve Credit Union opens new Lorain branch - Morning Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeXlaYTRWNm1QMEZkZ19aMVNDN292WGJYeC1kaXJxSDFKVDl6dHV5R0xCTFVKOGFIRk13ZlhKZUx2TEc5aFRjbHV6Nk1iOXFEaVh1VWdfTnM0Xzlic1NpSDhfaWhWenJINkVSTXBYV2doQm5lU2hUT0V0NmpYS0Q3bUs1TUxMSk9SZDFxcHJYNVQ?oc=5) · Morning Journal
- 2026-02-27 [Summer Crush Concert Series comes to Avon -- Sentinel Watch - Cleveland.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQYTVCdnJuOGdTbVNvS1JIOW9tZkc4RW9UTzdXMlN2TTBwTmhaUWticmE5cnVCUzVVTFZad0pVWVh0eG1YbFRvUnZpT085VExOc3BRT3VweWZPMzNDVzBGb20yNzNhdkNlUWVNanJlaWdPQmpsR3J3Q3djdlFwX29tdFJGcnpDNjhLRG9GQjZHTWJkcEYzSlFwUnlMd2lDN21vOWV1R3RVSDg?oc=5) · Cleveland.com
- 2012-12-20 [Bank Fraud Hits Home | Federal Bureau of Investigation - fbi.gov](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9WRmw1WGl3cHYtUzJ3S1VTYkU3ZHhDQnQtSWxBdVA2dXpKUUIzOGRqTGNKcjhjQktEYWZ2bUtuU3ZKdlo2R1FQVk95QUN4VlRZUTYtVHpZQmFoNkQ0eElhNWdkaw?oc=5) · fbi.gov
- 2023-01-09 ['Mom and pop' credit unions are losing the tech race — and members - americanbanker.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZUJreUtvdGNiRHpkRGZGZjVQQUZIZlJISGszY3FsdlIwdmhrSW1Kck5yeGpqZWxsN1RXWmF1VlVHUmNYdEpSaTM1R0hiZEFaR0lGSXZsVUpXMDNYMG1ONWVEUHUzVXRsb041aFFfVmJzN3BvRUNOTkRkU1RQNlAzanFNZktmOUNfNUlLcWw0T2pGR3k4VGcyOHZIRU5ROWJ0Y19vSC1JNENjN1YtNjkwTw?oc=5) · americanbanker.com
- 2023-05-24 [PSCU Adds Cardinal Credit Union President, CEO Christine Blake to Board - PYMNTS.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbVFIOE5DYmJySUVYQ0hyNFQ3cVVGTHJmNzFRY1FWbkRlRUNMTTFnQmtKVUlMbEltS3BOQ0JoM0phbVhKblVmNU9ad25PUkVQM2kyNEJEbHpLVXREeTJwSW91RG5JRGFYc3M1NDRrZENETmVGbjZmeUhuVTMtQmR3YTFwSFFtMzI2MDJhaEpvTnI4cVlXaTN0Qll2TTQ1b1M1b1RPVlcxQXhUV1JkZ01XWkJyVjg0Mktm?oc=5) · PYMNTS.com
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2024-01-25 [Achieve Credit Union announces retirement of longtime employee Kathy Garvey - Morning Journal](https://news.google.com/rss/articles/CBMiugFBVV95cUxQTk44Mkdabk5pdWM4WTdCbjhCX2YwVENzRUlHd2phQ1dBcnVBX2VTNG1PYk56SEtWVmdialRtU012Mk9pZEFXNGFpRHhIQllWbHZEb1ZQb3YyV09IeEZkRXVaaFRxc2VTcUs3QmZkak10X19xLW51M2lHTVBiU3poQUVQYkpmY1k1a21CLUtaLWN3VnMxNnB2aFgxRkN5V2lERjV6UW81TEpBLVprME9vMUhlQUVWYk5kWHc?oc=5) · Morning Journal
- 2015-03-10 [Mother’s Account Of Home Invasion In Credit Union Bomb Case Unsealed - Hartford Courant](https://news.google.com/rss/articles/CBMipgFBVV95cUxNclZxeVdWUGRrLXFhQUVscHEzOXU5TUQtdHFFOHBRUHZnUkNKWXRTeVl1U0wxVm45bXVIdG91U19vLXczaEg5ckVwNXBLOHRZbC15dEFObC1KSXJVUHdxVmtOS25kNGdvLUdfSndQRk5POHAtcHl2YjM1N3hKUFB5eWw1UzNXbnlCOEpKQUdoS3ZYMWpvbEowbGhZUG5Rd2R2c3JHNjRn?oc=5) · Hartford Courant

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97094 (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/6.json (key "97094", 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=97094
- 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