TellerScore

Achieve Financial Credit Union is a federally insured state-chartered credit union headquartered in Berlin, Connecticut, in business for about 72 years. At the end of Q2 2026 it reported $176.0M in total assets and $161.4M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Achieve Financial Credit Union scores 37/100, which we describe as low. That is higher than only 1% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 64th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 3% uninsured), and its lowest is earnings (0/100; -0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.40%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.30%
Earnings0/100
Return on assets (annualized): -0.85%
Funding & liquidity96/100
Loans ÷ shares: 63.9% · 3.2% uninsured
Problem-loan coverage63/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 18.66%

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

From Q2 2025 to Q2 2026, the score fell 5 points (42 → 37), mostly because the earnings component weakened by 26 points.

TellerScore
333842Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202441
Q3 202439
Q4 202437
Q1 202538
Q2 202542
Q3 202539
Q4 202542
Q1 202633
Q2 202637
Net worth ratio
7.00%7.87%8.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.09%
Q3 20248.07%
Q4 20248.32%
Q1 20258.44%
Q2 20258.38%
Q3 20258.33%
Q4 20258.48%
Q1 20268.73%
Q2 20268.40%
Delinquent loans (60+ days)
1.82%2.32%2.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.82%
Q3 20242.04%
Q4 20242.49%
Q1 20252.44%
Q2 20252.18%
Q3 20252.58%
Q4 20252.48%
Q1 20262.83%
Q2 20262.30%
Return on assets
-0.85%-0.28%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.17%
Q3 2024-0.09%
Q4 20240.09%
Q1 2025-0.04%
Q2 20250.14%
Q3 20250.23%
Q4 20250.29%
Q1 2026-0.45%
Q2 2026-0.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202637$176.0M8.40%2.30%-0.85%63.9%
Q1 202633$177.6M8.73%2.83%-0.45%65.1%
Q4 202542$183.7M8.48%2.48%0.29%67.2%
Q3 202539$183.9M8.33%2.58%0.23%69.7%
Q2 202542$185.4M8.38%2.18%0.14%70.5%
Q1 202538$186.0M8.44%2.44%-0.04%71.8%
Q4 202437$182.1M8.32%2.49%0.09%76.3%
Q3 202439$184.2M8.07%2.04%-0.09%81.0%
Q2 202441$186.0M8.09%1.82%-0.17%78.4%

1,341 peers · $100 million – $1 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 ratio8.40%
6th
Problem loans2.30%
4th
Net charge-offs1.94%
1st
Return on assets-0.85%
1st
Loans to deposits63.9%
72nd
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio18.7%
3rd

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Ellafi Federal Credit UnionCredit union Middletown, CT57 out of 100, Moderate$178.1M7.3%0.33%vs
Fd Community Federal Credit UnionCredit union Waterbury, CT68 out of 100, Moderate$162.7M11.1%0.89%vs
Hartford Federal Credit UnionCredit union Hartford, CT73 out of 100, Strong$159.6M13.0%1.34%vs
United Business & Industry Federal Credit UnionCredit union Plainville, CT77 out of 100, Strong$141.4M11.6%0.09%vs
Finex Credit UnionCredit union East Hartford, CT61 out of 100, Moderate$134.0M8.9%0.73%vs
Sound Federal Credit UnionCredit union Norwalk, CT53 out of 100, Below average$115.5M7.6%1.43%vs

Deposit insurance

Is my money safe at Achieve Financial Credit Union?

Yes. Achieve Financial Credit Union is a federally insured credit union (NCUA charter #61256). 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 3.2% of shares and deposits ($5.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.40%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Achieve Financial Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Achieve Financial Credit Union reported 132 home-loan applications under HMDA (LEI 54930055Z5ZI5MLNR750): 71 originated ($4,565,000 total), 40 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.0%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Platinum Rewards Visa9.90% – 17.90%$0$251.0%

All Achieve Financial Credit Union card terms

Identity & history

Profile

Legal name
Achieve Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61256
RSSD ID
347198
Primary regulator
State + NCUA
Established
1954
Headquarters
P O Box 7030, Berlin, CT 06037
Employees
34

Quick answers

Achieve Financial Credit Union: common questions

Is Achieve Financial Credit Union NCUA insured?

Yes. Achieve Financial Credit Union is a federally insured credit union (NCUA charter #61256). 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 Achieve Financial Credit Union's TellerScore?

37 out of 100 (Low), 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 Achieve Financial Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Berlin

InstitutionScoreAssetsCapitalProblem loansCompare
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
New Haven Teachers Federal Credit UnionCredit union New Haven, CT90 out of 100, Very strong$10.2M32.0%0.13%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs