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Achieve

Elyria, OH · Charter 97094

NCUA · 3 branches

Q2 2026

$210.1MAssets
$79.9MLoans
$180.9MShares
$23.6MNet 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 0.65%, down 2 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 1.01% of loans (-16 bps YoY).
  • Capital: net worth / assets of 11.25%, down 58 bps from a year ago.
  • Funding: loans stand at 44.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-40 bps YoY

Efficiency Ratio (YTD, annualized)

80.91%+282 bps YoY

Net Worth / Assets

11.25%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.81%0.68%0.54%0.65%-2 bps
Return on Equity5.66%6.74%5.78%4.66%5.81%+16 bps
Net Interest Margin3.56%3.54%3.46%3.25%3.16%-40 bps
Efficiency Ratio78.09%76.16%78.62%83.52%80.91%+282 bps
Growth
Asset Growth (YoY)9.63%9.55%10.55%9.16%11.73%+210 bps
Loan Growth (YoY)11.76%16.65%13.00%8.84%7.45%-431 bps
Share Growth (YoY)9.09%9.43%9.37%8.30%5.71%-338 bps
Asset Quality
Delinquent Loans / Loans1.16%1.25%1.22%0.79%1.01%-16 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 Capital11.83%11.99%11.81%11.64%11.25%-58 bps
Net Worth / Assets11.83%11.99%11.81%11.64%11.25%-58 bps
Liquidity & Funding
Loans / Shares43.42%45.14%44.09%43.07%44.14%+72 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps