Credit Union Safety Analysis
Is Achieva Credit Union Safe? Dunedin, Florida
Based on its Q2 2026 NCUA 5300 call report, Achieva Credit Union has a net worth ratio of 9.94%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.35%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Achieva Credit Union's net worth ratio is 9.94%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.94%
- Delinquency ratio (60+ days) (Q2 2026): 0.35%
- Return on assets (Q2 2026): 1.03%
- Loan-to-share ratio (Q2 2026): 89.63%
Achieva Credit Union (NCUA charter 60087, established 1937) reported $3.25B in assets and 216,949 members for Q2 2026 from Dunedin, Florida. It ranks 9 of 106 credit unions in Florida by total assets. Total assets grew 6.5% from $3.05B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.98% for Q1 2026; 9.82% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.32% for Q1 2026; 0.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.86% for Q1 2026; 1.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 85.09% for Q1 2026; 81.37% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $880.0M
- 1- to 4-family residential and other consumer real estate loans: $660.9M
- New vehicle loans: $557.8M
- Commercial loans: $193.0M
- Unsecured credit card loans: $107.8M
- Other secured non-real estate loans and lines of credit: $76.2M
- Other unsecured loans and lines of credit: $52.1M
- Non-federally guaranteed student loans: $23.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.25B | 9.94% | 0.35% | 1.03% | 89.63% |
| March 31, 2026 | $3.15B | 9.98% | 0.32% | 0.86% | 85.09% |
| December 31, 2025 | $3.07B | 10.02% | 0.25% | 0.55% | 85.73% |
| September 30, 2025 | $3.01B | 10.14% | 0.25% | 0.83% | 84.28% |
| June 30, 2025 | $3.05B | 9.82% | 0.29% | 1.17% | 81.37% |
| March 31, 2025 | $3.02B | 9.63% | 0.22% | 0.65% | 81.08% |
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Free to use. It shows Achieva Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60087) · FFIEC NIC profile (RSSD 551490)
Frequently asked questions
Is Achieva Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Achieva Credit Union's net worth ratio is 9.94%, above the 7% NCUA threshold for well capitalized.
Is Achieva Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Achieva Credit Union is a federally insured credit union (NCUA charter 60087): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Achieva Credit Union's key safety ratios?
For Q2 2026, Achieva Credit Union reports net worth 9.94%, delinquency 0.35%, ROA 1.03%, loan-to-share 89.63%.
What happens to my money if Achieva Credit Union fails?
For Q2 2026, Achieva Credit Union held $2.85B in shares and deposits for 216,949 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.