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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 39 |
| Q4 2024 | 37 |
| Q1 2025 | 38 |
| Q2 2025 | 42 |
| Q3 2025 | 39 |
| Q4 2025 | 42 |
| Q1 2026 | 33 |
| Q2 2026 | 37 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.09% |
| Q3 2024 | 8.07% |
| Q4 2024 | 8.32% |
| Q1 2025 | 8.44% |
| Q2 2025 | 8.38% |
| Q3 2025 | 8.33% |
| Q4 2025 | 8.48% |
| Q1 2026 | 8.73% |
| Q2 2026 | 8.40% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.82% |
| Q3 2024 | 2.04% |
| Q4 2024 | 2.49% |
| Q1 2025 | 2.44% |
| Q2 2025 | 2.18% |
| Q3 2025 | 2.58% |
| Q4 2025 | 2.48% |
| Q1 2026 | 2.83% |
| Q2 2026 | 2.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.17% |
| Q3 2024 | -0.09% |
| Q4 2024 | 0.09% |
| Q1 2025 | -0.04% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.29% |
| Q1 2026 | -0.45% |
| Q2 2026 | -0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 37 | $176.0M | 8.40% | 2.30% | -0.85% | 63.9% |
| Q1 2026 | 33 | $177.6M | 8.73% | 2.83% | -0.45% | 65.1% |
| Q4 2025 | 42 | $183.7M | 8.48% | 2.48% | 0.29% | 67.2% |
| Q3 2025 | 39 | $183.9M | 8.33% | 2.58% | 0.23% | 69.7% |
| Q2 2025 | 42 | $185.4M | 8.38% | 2.18% | 0.14% | 70.5% |
| Q1 2025 | 38 | $186.0M | 8.44% | 2.44% | -0.04% | 71.8% |
| Q4 2024 | 37 | $182.1M | 8.32% | 2.49% | 0.09% | 76.3% |
| Q3 2024 | 39 | $184.2M | 8.07% | 2.04% | -0.09% | 81.0% |
| Q2 2024 | 41 | $186.0M | 8.09% | 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).
Similar-size credit unions in Connecticut
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellafi Federal Credit UnionCredit union Middletown, CT | 57 out of 100, Moderate | $178.1M | 7.3% | 0.33% | vs |
| Fd Community Federal Credit UnionCredit union Waterbury, CT | 68 out of 100, Moderate | $162.7M | 11.1% | 0.89% | vs |
| Hartford Federal Credit UnionCredit union Hartford, CT | 73 out of 100, Strong | $159.6M | 13.0% | 1.34% | vs |
| United Business & Industry Federal Credit UnionCredit union Plainville, CT | 77 out of 100, Strong | $141.4M | 11.6% | 0.09% | vs |
| Finex Credit UnionCredit union East Hartford, CT | 61 out of 100, Moderate | $134.0M | 8.9% | 0.73% | vs |
| Sound Federal Credit UnionCredit union Norwalk, CT | 53 out of 100, Below average | $115.5M | 7.6% | 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.
3 locations
Branches
Achieve Financial Credit Union lists 3 offices in 3 cities. Most locations:
- Berlin, CT (1)
- Meriden, CT (1)
- New Britain, CT (1)
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
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Platinum Rewards Visa | 9.90% – 17.90% | $0 | $25 | 1.0% |
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Police Credit Union Inc.Credit union Meriden, CT | 91 out of 100, Very strong | $84.0M | 15.1% | 0.06% | vs |
| Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT | 91 out of 100, Very strong | $365.2M | 17.1% | 0.26% | vs |
| New Haven Teachers Federal Credit UnionCredit union New Haven, CT | 90 out of 100, Very strong | $10.2M | 32.0% | 0.13% | vs |
| Ct Firefighters Federal Credit UnionCredit union Hartford, CT | 85 out of 100, Very strong | $34.7M | 11.6% | 0.00% | vs |
| Sikorsky Financial Credit UnionCredit union Stratford, CT | 84 out of 100, Strong | $1.5B | 12.9% | 0.25% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |