Freedom First
Roanoke, VA · Charter 11111 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.3BAssets
$1.1BLoans
$1.0BShares
$132.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of credit unions $1B-$10B in assets (rank 128 of 435).
- Widest gap: efficiency ratio trails 88% of credit unions $1B-$10B in assets (rank 384 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.55%
Rank 328 of 435
Net Interest Margin
3.10%
Rank 297 of 435
Efficiency Ratio
82.13%
Rank 384 of 435
Equity / Assets
10.56%
Rank 248 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.55% | 0.81% | 1.14% | Beats 25% | 328 / 435 | |
| Return on Equity | 5.23% | 5.12% | 7.41% | 9.70% | Beats 27% | 318 / 435 | |
| Net Interest Margin | 3.10% | 3.01% | 3.39% | 3.75% | Beats 32% | 297 / 435 | |
| Efficiency Ratio | 82.13% | 65.25% | 71.39% | 77.86% | Beats 12% | 384 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.45% | 0.69% | 1.05% | Beats 71% | 128 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 9.81% | 10.84% | 12.63% | Beats 43% | 248 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.56% | 9.81% | 10.84% | 12.63% | Beats 43% | 248 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 106.46% | 78.33% | 88.38% | 95.61% | 96th pctl | 17 / 435 | |
| Loans / Assets | 84.94% | 67.69% | 74.58% | 80.80% | 90th pctl | 45 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |