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1 ANNUAL 2018 REPORT

2 table of contents Financial Summary... 2 Chairman & CEO Report... 3 Events & Community The credit union difference. Member Growth & Highlights Locations...9 Achieva strives to change lives for GOOD by providing financial guidance and solutions to our members at every stage of life. Achieva Credit Union 2018 Annual Report 1

3 Statement of Income Statement of Financial Condition Interest Income YEAR ENDED DECEMBER Loans $ 54,659,000 $ 52,533,000 Investments $ 5,162,000 $ 3,540,000 Interest Expense YEAR ENDED DECEMBER 31 $ 59,82 1,000 $ 56,073,000 Members Share and Savings Accounts $ 6,527,000 $ 5,034,000 Borrowed Funds $ 279,000 $ 31 8,000 $ 6,806,000 $ 5,352,000 Net Interest Income $ 53,015,000 $ 50, 721,000 Provision for Loan Losses $ 10, 216,000 $ 9,467,000 Net Interest Income After Provision $ 42,799,000 $ 41,254,000 for Loan Losses Non-Interest Income (Expense) Service Fees and Miscellaneous Income $ 28,637,000 $ 28,422,000 Compensation and Benefits $ (29,656,000) $ (28,903,000) Occupancy $ (4,502,000) $ (4,654,000) Other $ (22,309,000) $ (2 1, 015,000) $ (27,830,000) $ (26,150,000) NET INCOME $ 14,969,000 $ 15,104,000 Assets Cash $ 11,756,000 $ 7,872,000 Investments $ 271,684,000 $ 258,846,000 Net Loans Receivable $ 1,295,563,000 $ 1,147,322,000 National Credit Union Share Insurance Fund $ 14,229,000 $ 13,221,000 Accrued Interest Receivable $ 3,678,000 $ 3,146,000 Fixed Assets $ 59,469,000 $ 52,958,000 Intangible Assets $ 41,951,000 $ 29,745,000 Other Assets $ 18,755,000 $ 21,433,000 TOTAL ASSETS $ 1,717,085,000 $ 1,534,543,000 LIABILITIES AND EQUITY Share and Savings Accounts $ 1,506,428,000 $ 1,330,757,000 Borrowed Funds $ 15,000,000 $ 20,000,000 Accrued Expenses and Other Liabilities $ 24,310,000 $ 25,791,000 Equity (Reserves) $ 171,347,000 $ 157,995,000 TOTAL LIABILITIES AND EQUITY $ 1,717,085,000 $ 1,534,543,000 CHAIRMAN & CEO There is much to celebrate at Achieva Credit Union as we reflect on It was a year of expansion, service and community. The Achieva team continues to place utmost priority on our members and we are thrilled to share in celebrating these accomplishments with you. 83% POSITIVE MEMBER EXPERIENCES in 2018 One of the most notable accomplishments in 2018 is the acquisition of Preferred Community Bank. This merger adds three branch locations to our footprint in Lee County, providing more options to our members and creating the opportunity to serve new members gained through the process. Branch network improvement continued in Pinellas County as well, with the construction of a new branch and drive thru location in Largo. The inventive branch design provides an updated banking experience for our Largo area members as it replaced the antiquated previous Largo location. Building on our roots in education, the launch of the Achieva Cash Class seminar series allows us to work closely with our community to provide financial education and guidance on a variety of topics. Achieva employees take great pride in being a part of this Credit Union team, gaining recognition as a Top Workplace by the Tampa Bay Times for the sixth year in a row. Additional accomplishments include maintaining our Superior 5-Star Rating (the highest rank) from BauerFinancial, a national, independent bank research firm, and being recognized as a top mortgage lender in the state of Florida. The culture of Achieva Credit Union is perhaps best displayed through our community partnerships and contributions. Hosting four annual Achieva community fundraising events to support the Achieva Foundation, a 501(c)3 corporation, our team of employees volunteered their personal time to engage with their neighbors to raise funds for distribution as local classroom grants. Additionally, Achieva takes pride in supporting various other events and sponsorship initiatives in the areas we serve. One of the most impactful initiatives this year was our involvement in the Salvation Army Angel Tree program, serving as host locations throughout our market with 350 angel tag sponsorships from our staff and members. Your Credit Union once again held a strong performance in 2018, with total assets of $1.7 billion, which reflects growth of $183 million. Total loans grew to reach $1.3 billion, while total deposits came to $1.5 billion and our capital ratio was 11.99%. Product and service offerings also continue to provide a robust range of options to fit our members needs at every stage of life. Our team understands the value of providing good service to our members and ensuring each one feels like a VIP. It s our honor to support your financial journey and assist you in reaching your goals. We are eager to see what GOOD things lie ahead in 2019 as we continue to strive for higher excellence. Sincerely, report The condensed financial statements were derived from the audited financial statements as of and for the years ended December 31, 2017 and TD Hawkins, Chairman of the Board Gary Regoli, President and CEO Achieva Credit Union 2018 Annual Report 2 Achieva Credit Union 2018 Annual Report 3

4 EVENTS & COMMUNITY Our team spent 3,000+ hours volunteering at Achieva's community events to raise $60,000, which provided classroom grants for Pinellas, Sarasota and Lee County Schools RUN FOR GOOD 418 participants ran in the 5K, kids run and dog walk to raise funds for Sarasota County Schools SHRED FEST 1,301 vehicles served SCRAPBOOK CROP 117 participants scrapbooked to raise funds for Pinellas County Schools BOX CAR RALLY 61 Cars 223 Racers 37,628 lbs paper 1,380 lbs cardboard $1, donated BACK TO SCHOOL DRIVE $4,000 in grants to local education foundations 300 Heats 150 Race classes scholarships We funded $15,000 in scholarships in 2018 to help local students succeed with their continued education. Achieva has funded $145,000 since $145,000 Scholarships awarded since 2008 $405,000 Given to local schools since 2010 YOUTH SPORTS SPONSORSHIPS 70 Baseball teams 256 Soccer teams COCONUT RUN 243 participants ran in the 5K and kids run to raise funds for Lee County Schools. $15, Scholarships awarded in 2018 Recipients since

5 Proudly serving our members for over 81 YEARS! Bringing the GOOD to your neighborhood ACHIEVA CAN HELP WITH ALL YOUR BANKING NEEDS 161,593 Members 26 Branches 15 Counties Charlotte Collier DeSoto 161, , Glades Hardee Hendry Hernando Highlands Hillsborough Lee Manatee Monroe Pasco Pinellas Sarasota PRODUCTS & SERVICES 2018 Loan & Deposit Highlights Mortgages & HELOCs Credit cards & balance transfers Wealth management Vehicle loans & refinancing Checking account w/ ID protection Business loans & services TOTAL LOANS $1.3 billion TOTAL DEPOSITS $1.5 billion TOTAL ASSETS $1.7 billion And don't forget the benefits! Visit achievacu.com/perks $630 MILLION total auto loans $330 MILLION total mortgages $122 MILLION total business loans $209 MILLION total other consumer loans EVERYONE IS WELCOME AT ACHIEVA Visit a branch or apply online I achievacu.com Achieva Credit Union 2018 Annual Report 6 Insured by the NCUA. Equal Housing Lender.

6 branch locations BRADENTON rd Ave E Bradenton, FL LEHIGH ACRES 2499 Lee Rd Lehigh Acres, FL Suncoast Technical College (By appointment only) 4748 Beneva Rd Sarasota, FL TOP WORKPLACE 6 YEARS AND COUNTING! OUR EMPLOYEES ROCK! Thank you for making us a Tampa Bay Times Top Workplace 6 years in a row! CAPE CORAL 1616 W Cape Coral Pkwy Cape Coral, FL Del Prado Blvd S Cape Coral, FL Del Prado Blvd S Cape Coral, FL CLEARWATER 2201 Drew St Clearwater, FL DUNEDIN 1150 Virginia St Dunedin, FL ESTERO S Tamiami Trail Estero, FL FORT MYERS 4379 Colonial Blvd Ft Myers, FL LAND O LAKES 2115 Collier Pkwy Land O Lakes, FL LARGO Seminole Blvd Largo, FL NEW PORT RICHEY 5920 State Rd 54 New Port Richey, FL NORTH PORT 2467 Sycamore St North Port, FL PALM HARBOR US 19 N Palm Harbor, FL East Lake Rd Palm Harbor, FL PORT CHARLOTTE 1850 Tamiami Trail Port Charlotte, FL PUNTA GORDA 3105 Tamiami Trail Punta Gorda, FL PINELLAS PARK 7105 Park Blvd Pinellas Park, FL SARASOTA 3000 Bee Ridge Rd Sarasota, FL Fruitville Rd Sarasota, FL ST PETERSBURG th Ave N St Petersburg, FL nd Ave N St Petersburg, FL Northeast High School th St N St Petersburg, FL (Open to NEHI staff and students only) VENICE 1485 E Venice Ave Venice, FL Tamiami Trail Venice, FL Virginia St Dunedin, FL Visit achievacu.com/locations for a current list of hours Achieva Credit Union 2018 Annual Report 9

7 Insured by the NCUA. Equal Housing Lender. All rights reserved Achieva Credit Union P.O. Box 1500, Dunedin, FL achievacu.com