Achieve Financial Credit Union

Achieve Financial Credit Union is headquartered in Berlin and is the 15^st largest credit union in the state of Connecticut. It is also the 1,422^nd largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 35 employees and 15,333 members. Achieve Financial Credit Union has a 4-star health rating.

Achieve Financial Credit Union Routing Number: 211178006

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Data for Q4 2012

Institution Statistics ACHIEVE FINANCIAL NCUA # 61256 BankRate Report View Year Chartered 1954 Employees 35 Primary Regulator Assets and Liabilities Assets $104.71 million Loans $89.43 million Deposits $95.85 million Equity Capital $8.01 million Loan Loss Allowance $812,000 Unbacked Noncurrent Loans $983,000 Historic Data - December 2011 Assets $103.49 million Equity Capital $7.63 million Loan Loss Allowance $607,000 Unbacked Noncurrent Loans $1.22 million Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 5.06% Return on Assets 0.4% Return on Equity 5.27% Interest Income $4.98 million Non-Interest Income $2.04 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Achieve Financial Credit Union had $983,000 in non-current loans and owned real-estate with $8.82 million in equity and loan loss allowances on hand to cover it. This gives Achieve Financial Credit Union a Texas Ratio of 11.14% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Achieve Financial Credit Union decreased slightly from 15.91% as of December 31, 2011 to 11.14% as of December 31, 2012, resulting in a positive change of 29.97%.This indicates that the balance sheet and financial strength for Achieve Financial Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Achieve Financial Credit Union has increased its total deposits by $1.56 million, resulting in 1.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Achieve Financial Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Achieve Financial Credit Union has $104.7 million in assets with $8.82 million in equity, resulting in a capitalization level of 8.42%, which is average.

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