Freedom 1st
McConnell AFB, KS · Charter 11643 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
$39.5MAssets
$4.4MLoans
$31.5MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets (rank 50 of 1637).
- Widest gap: net interest margin trails 61% of credit unions under $1B in assets (rank 1002 of 1638).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
2.04%
Rank 96 of 1,639
Net Interest Margin
3.58%
Rank 1,002 of 1,638
Efficiency Ratio
46.88%
Rank 50 of 1,637
Equity / Assets
18.78%
Rank 276 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.04% | 0.40% | 0.81% | 1.29% | Beats 94% | 96 / 1,639 | | |
| Return on Equity | 10.87% | 3.02% | 6.34% | 9.49% | Beats 84% | 261 / 1,638 | | |
| Net Interest Margin | 3.58% | 3.27% | 3.83% | 4.38% | Beats 39% | 1,002 / 1,638 | | |
| Efficiency Ratio | 46.88% | 67.38% | 76.32% | 84.73% | Beats 97% | 50 / 1,637 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.27% | 0.68% | 1.33% | Beats 41% | 969 / 1,637 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.78% | 10.38% | 12.80% | 16.53% | Beats 83% | 276 / 1,639 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.78% | 10.39% | 12.80% | 16.53% | Beats 83% | 276 / 1,638 | | |
| Liquidity & Funding |
| Loans / Deposits | 14.01% | 55.01% | 72.16% | 85.44% | 0th pctl | 1,630 / 1,638 | | |
| Loans / Assets | 11.16% | 46.69% | 60.81% | 72.42% | 1st pctl | 1,629 / 1,638 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |