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The Lender Report built this page from public records. Achieva Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Achieva Credit Union itself. Each figure shows its source and date. Work at Achieva Credit Union? You can claim this page for free.
Credit union, Dunedin, FL
Achieva Credit Union
A credit union based in Dunedin, FL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $193M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 25
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 13
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.25B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 727-431-7680 From the NCUA record, June 30, 2026.
- Website
- www.achievacu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- achievacu.comFrom the lender's website, retrieved November 11, 2026.
- Lending department (Business lending)
- 844-231-5901From the lender's website, retrieved November 11, 2026. A department line printed on the lender's lending page.
- Names it files under
- Achieva CUNCUA 5300,
- Address
- PO Box 1500, Dunedin, FL 34697NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Achieva Credit Union's Non-owner-occupied CRE balance rose 13.9% to $74.4M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 82.7% to $74.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 12.9% to $67.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| 2023-10 to 2026-09 | Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jan 2026 | Florida | SBA 504, All Other Automotive Repair and Maintenance | $130K | 25 yr | SBA FOIA | ||
| Dec 2025 | Florida | SBA 504, Hotels (except Casino Hotels) and Motels | $8M | 25 yr | SBA FOIA | ||
| Nov 2025 | Florida | SBA 504, Offices of Dentists | $250K | 25 yr | SBA FOIA | ||
| Sep 2025 | Florida | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $510K | 25 yr | SBA FOIA | ||
| Aug 2025 | Florida | SBA 7(a), Full-Service Restaurants | $550K | 10.25% | 10 yr | SBA FOIA | |
| 2024 | Pinellas County, FL | Purchase, 5 to 24 units | $1.3M | 7.13% | 15 yr | HMDA 2024 | |
| Jul 2024 | Florida | SBA 504, Child Care Services | $310K | 25 yr | SBA FOIA | ||
| Mar 2024 | Florida | SBA 504, Retail Trade | $1.6M | 25 yr | SBA FOIA | ||
| Jan 2024 | Florida | SBA 7(a), Amusement Arcades | $2.8M | 8% | 10 yr | SBA FOIA | |
| Jan 2024 | Florida | SBA 504, Agriculture, Forestry, Fishing and Hunting | $2.3M | 25 yr | SBA FOIA | ||
| Nov 2023 | Florida | SBA 504, Wood Kitchen Cabinet and Countertop Manufacturing | $530K | 20 yr | SBA FOIA | ||
| 11 SBA 504 first liens since October 2023, net of cancelled | $14.2M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names Achieva Credit Union as the lender, totaling $6.50M.
| Property class | Mortgages | Dollars |
|---|---|---|
| Multifamily | 1 | $6.50M |
| Borough | Mortgages |
|---|---|
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $26.6M | 1.0% | -5.3% | 11 | $2.42M |
| Construction and land development | $7.18M | 0.3% | -60.8% | 7 | $1.03M |
| Owner-occupied CRE | $67.2M | 2.6% | +12.9% | 131 | $513K |
| Non-owner-occupied CRE | $74.4M | 2.9% | +82.7% | 38 | $1.96M |
| Farmland | $2.19M | 0.1% | -1.7% | 1 | $2.19M |
| Commercial and industrial | $15.2M | 0.6% | -4.2% | 171 | $88.6K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $193M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $118M |
| Q4 2023 | $117M |
| Q1 2024 | $121M |
| Q2 2024 | $140M |
| Q3 2024 | $147M |
| Q4 2024 | $153M |
| Q1 2025 | $155M |
| Q2 2025 | $165M |
| Q3 2025 | $163M |
| Q4 2025 | $163M |
| Q1 2026 | $182M |
| Q2 2026 | $193M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2024 | 1 | $1.3M | $1.3M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 2 | $420K | $210K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 2 | $3.30M | $1.70M | $2.8M | SBA FOIA, |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 11 | $14.2M | $353K | $8M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 25 | $62.4M | NCUA 5300, | ||
| Construction | First half of 2026 | 3 | $29.5M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 13 | $13.9M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 9 | $19.0M | NCUA 5300, | ||
| C&I | First half of 2026 | 14 | $923K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $1.03M |
| Multifamily | $2.42M |
| Owner-occupied CRE | $513K |
| Non-owner-occupied CRE | $1.96M |
| Farmland | $2.19M |
| Commercial and industrial | $88.6K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 29 | 0 | 2 | 2 | 11 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $398M | $291M to $495M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $232M | $0 to $409M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 58.2% | 0.0% to 82.5% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $48.4M | $37.5M to $74.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 33.5% | 21.9% to 63.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 78.6% | 55.9% to 86.9% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Grow Financial Credit Union | FL | $3.92B | $203M |
| Addition Financial Credit Union | FL | $3.81B | $280M |
| GTE Credit Union | FL | $3.12B | $205M |
| Penair Credit Union | FL | $2.82B | $208M |
| Ithink Financial Credit Union | FL | $2.38B | $199M |
| Community First Credit Union of Flo | FL | $3.21B | $240M |
| Campus USA Credit Union | FL | $4.04B | $449M |
| Florida Credit Union | FL | $2.81B | $288M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Achieva Credit Union, NCUA charter 60087. Compare it with the regulator's record. [NCUA profile]
- Balances. $3.25B in total assets and $193M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 25 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 16 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2024, 2 HMDA 1-4 unit investor 2025, 2 SBA 7(a) in 36 months, 11 SBA 504 first liens in 36 months. [How each file was tied to Achieva Credit Union]
- Phone and website. Phone 727-431-7680, from the NCUA record. Website achievacu.com, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 60087
- RSSD
- 551490
- LEI
- 549300GFM3T3SN2KS138
- The Lender Report ID
- lr_000562
- Main office county
- Pinellas
- Members
- 222,451
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $3.2B in total assets as of June 30, 2026 (NCUA 5300).
- Held $192.7M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $74.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 82.7% from a year earlier (NCUA 5300).
- Held $67.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 12.9% from a year earlier (NCUA 5300).
- Held $26.6M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Originated 1 multifamily loan totaling $1.3M in 2024 (HMDA).
6 more sentences
- Originated 2 1-4 unit investor or business-purpose loans totaling $420K in 2025 (HMDA).
- Recorded 2 SBA 7(a) approvals totaling $3.3M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 12 SBA 504 projects with $15.3M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 25 real-estate-secured commercial loans totaling $62.4M in the first half of 2026 (NCUA 5300).
- Listed 29 offices in 1 state (NCUA).
- Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $6.5M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Achieva Credit Union, https://lender.report/lender/achieva-credit-union-fl/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
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Work at Achieva Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem