Side-by-side · Q2 2026 data
Achieva Credit Union vs Penair Credit Union
Metric by metric
| Measure | Achieva Credit Union | Penair Credit Union |
|---|---|---|
| TellerScore | 68 | 69 (stronger) |
| Capital cushion | 49 | 65 (stronger) |
| Loan quality | 88 (stronger) | 80 |
| Earnings | 57 (stronger) | 37 |
| Funding & liquidity | 71 | 89 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 50th | 54th |
| Total assets | $3.2B | $2.8B |
| Deposits / shares | $2.8B | $2.4B |
| Capital ratio | 9.94% | 11.48% (stronger) |
| Problem loans | 0.35% (stronger) | 0.60% |
| Net charge-offs | 0.50% (stronger) | 0.79% |
| Return on assets | 0.93% (stronger) | 0.43% |
| Loans ÷ deposits | 89.6% | 71.7% (stronger) |
| Uninsured deposits | 8.9% (stronger) | 10.6% |
| Offices | 27 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.3% | — |
Penair Credit Union has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Achieva Credit Union leads on 4 and Penair Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.