PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Achieva Credit Union

Dunedin, FL · Charter 60087

NCUA · 29 branches

Q2 2026

$3.2BAssets
$2.6BLoans
$2.8BShares
$322.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.93%, up 2 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.35% of loans (+6 bps YoY).
  • Capital: net worth / assets of 9.94%, up 11 bps from a year ago.
  • Funding: loans stand at 89.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+3 bps YoY

Efficiency Ratio (YTD, annualized)

71.13%-206 bps YoY

Net Worth / Assets

9.94%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.89%0.79%0.86%0.93%+2 bps
Return on Equity9.26%8.78%7.92%8.61%9.39%+13 bps
Net Interest Margin3.41%3.51%3.47%3.46%3.45%+3 bps
Efficiency Ratio73.18%73.26%74.14%71.52%71.13%-206 bps
Growth
Asset Growth (YoY)6.75%4.84%5.95%4.48%6.52%-24 bps
Loan Growth (YoY)8.49%10.42%8.97%8.49%13.18%+468 bps
Share Growth (YoY)6.32%4.08%2.79%3.38%2.75%-358 bps
Asset Quality
Delinquent Loans / Loans0.29%0.25%0.25%0.32%0.35%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.83%10.15%10.02%9.98%9.94%+11 bps
Net Worth / Assets9.83%10.15%10.02%9.98%9.94%+11 bps
Liquidity & Funding
Loans / Shares81.37%84.28%85.73%85.09%89.63%+826 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps