TellerScore

Headquartered in Dunedin, Florida, Achieva Credit Union is a federally insured state-chartered credit union with $3.2B in total assets and $2.8B in member shares and deposits as of Q2 2026. It operates 27 offices. Its charter dates back to 1937.

Achieva Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 65th. Problem-loan coverage contributes the most (94/100, 2.9%); capital cushion contributes the least (49/100, 9.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.94%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity71/100
Loans ÷ shares: 89.6% · 8.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202466
Q1 202568
Q2 202569
Q3 202571
Q4 202569
Q1 202669
Q2 202668
Net worth ratio
7.00%8.57%10.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.75%
Q3 20249.87%
Q4 20249.85%
Q1 20259.63%
Q2 20259.82%
Q3 202510.14%
Q4 202510.02%
Q1 20269.98%
Q2 20269.94%
Delinquent loans (60+ days)
0.13%0.29%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.21%
Q4 20240.45%
Q1 20250.22%
Q2 20250.29%
Q3 20250.25%
Q4 20250.25%
Q1 20260.32%
Q2 20260.35%
Return on assets
0.50%0.71%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.56%
Q4 20240.56%
Q1 20250.65%
Q2 20250.91%
Q3 20250.89%
Q4 20250.79%
Q1 20260.86%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$3.2B9.94%0.35%0.93%89.6%
Q1 202669$3.2B9.98%0.32%0.86%85.1%
Q4 202569$3.1B10.02%0.25%0.79%85.7%
Q3 202571$3.0B10.14%0.25%0.89%84.3%
Q2 202569$3.0B9.82%0.29%0.91%81.4%
Q1 202568$3.0B9.63%0.22%0.65%81.1%
Q4 202466$2.9B9.85%0.45%0.56%80.9%
Q3 202468$2.9B9.87%0.21%0.56%79.4%
Q2 202468$2.9B9.75%0.13%0.50%79.7%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.94%
29th
Problem loans0.35%
86th
Net charge-offs0.50%
51st
Return on assets0.93%
63rd
Loans to deposits89.6%
45th
Uninsured deposits8.9%
53rd
Loan-loss reserves0.00%
50th
Texas ratio2.9%
76th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Community First Credit Union of FloCredit union Jacksonville, FL73 out of 100, Strong$3.2B12.3%0.63%vs
Gte Federal Credit UnionCredit union Tampa, FL58 out of 100, Moderate$3.1B11.1%1.08%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Penair Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$2.8B11.5%0.60%vs
Florida Credit UnionCredit union Gainesville, FL75 out of 100, Strong$2.8B12.7%0.80%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs

Deposit insurance

Is my money safe at Achieva Credit Union?

Yes. Achieva Credit Union is a federally insured credit union (NCUA charter #60087). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.9% of shares and deposits ($254.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.94%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

27 locations

Branches

Achieva Credit Union lists 27 offices in 23 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Achieva Credit Union reported 2,122 home-loan applications under HMDA (LEI 549300GFM3T3SN2KS138): 1,316 originated ($199,920,000 total), 563 denied, and 135 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Achieva Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60087
RSSD ID
551490
Primary regulator
State + NCUA
Established
1937
Headquarters
PO Box 1500, Dunedin, FL 34697
Employees
573

Quick answers

Achieva Credit Union: common questions

Is Achieva Credit Union NCUA insured?

Yes. Achieva Credit Union is a federally insured credit union (NCUA charter #60087). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Achieva Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Achieva Credit Union have?

27 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dunedin

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs