Achieva Credit Union Dunedin, Florida
Achieva Credit Union is a state-chartered credit union headquartered in Dunedin, FL, established in 1937 (NCUA charter 60087), and it is regulated and insured by the NCUA. At Q2 2026 it reported 216,949 members and total assets of $3.25B (up 6.5% from Q2 2025), the 9th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 9.94% at Q2 2026, in the well capitalized band.
Also written as Achieva CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60087
- Headquarters
- Dunedin, FL
- Established
- 1937
- Total assets, Q2 2026
- $3.25B
- Assets vs Q2 2025
- +6.5%
- Members, Q2 2026
- 216,949
- Net worth ratio, Q2 2026
- 9.94%
- Latest call report
- Q2 2026, NCUA 5300 · Achieva Credit Union call report
- Asset rank in state
- 9th of 106 in Florida
- Routing number
- 263182312
- Branches
- 29
It has 8,446 more members than on June 30, 2025 (+4.1%). Its net worth ratio was up 0.12 percentage points from 9.82% on June 30, 2025. Used vehicle loans are its largest loan category, $880.0M of $2.55B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.94% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Florida
Frequently asked about Achieva Credit Union
How big is Achieva Credit Union?
At Q2 2026 it reported total assets of $3.25B and 216,949 members.
Where is Achieva Credit Union headquartered?
It is headquartered in Dunedin, FL, United States.
When was Achieva Credit Union founded?
It was established in 1937, per NCUA records.
Is Achieva Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60087): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Achieva Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Achieva Credit Union well capitalized?
Its net worth ratio was 9.94% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Achieva Credit Union's delinquency ratio?
Its delinquency ratio was 0.35% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Achieva Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.63% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dunedin, FL 34698
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 60087
- RSSD ID
- 551490
- Members
- 216,949
- Potential members
- 16,424,657
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.94% | 10.89% | 28th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.03% | 0.89% | 60th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.39% | 8.07% | 70th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.54% | 3.45% | 57th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 70.77% | 70.59% | 49th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.46% | 1.68% | 68th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.35% | 0.68% | 86th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.00% | 5.12% | 43rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.63% | 88.03% | 56th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.25B total assets against $3.05B; $2.85B total shares and deposits against $2.77B; $2.55B total loans against $2.25B.
$322.7M net worth against $299.6M.
9.94% net worth ratio against 9.82%.
89.63% loan-to-share ratio against 81.37%.
0.35% delinquency ratio against 0.29%.
1.03% return on assets against 1.17%; 10.39% return on equity against 11.94%.
3.54% net interest margin against 3.47%.
216,949 members against 208,503.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.94% | 1.03% | 0.35% | 89.63% |
| March 31, 2026 | 9.98% | 0.86% | 0.32% | 85.09% |
| December 31, 2025 | 10.02% | 0.55% | 0.25% | 85.73% |
| September 30, 2025 | 10.14% | 0.83% | 0.25% | 84.28% |
| June 30, 2025 | 9.82% | 1.17% | 0.29% | 81.37% |
| March 31, 2025 | 9.63% | 0.65% | 0.22% | 81.08% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.