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Freedom 1st

McConnell AFB, KS · Charter 11643

NCUA · 1 branch

Q3 2025

$39.5MAssets
$4.4MLoans
$31.5MShares
$7.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.04%, up 20 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.85% of loans (+62 bps YoY).
  • Capital: net worth / assets of 18.78%, up 42 bps from a year ago.
  • Funding: loans stand at 14.01% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

2.04%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+15 bps YoY

Efficiency Ratio (quarter, annualized)

46.86%-330 bps YoY

Net Worth / Assets

18.78%+42 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.84%0.27%1.92%2.00%2.04%+20 bps
Return on Equity10.02%1.60%11.52%10.86%10.86%+84 bps
Net Interest Margin3.43%3.36%3.22%3.56%3.58%+15 bps
Efficiency Ratio50.16%90.76%46.37%46.64%46.86%-330 bps
Growth
Asset Growth (YoY)-9.83%-5.02%2.80%-2.60%0.01%+984 bps
Loan Growth (YoY)-16.36%-20.27%-24.29%-29.71%-28.18%-1,182 bps
Share Growth (YoY)-13.20%-7.56%1.08%-4.95%-1.81%+1,139 bps
Asset Quality
Delinquent Loans / Loans0.23%0.08%1.05%0.07%0.85%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.36%16.82%16.70%18.38%18.78%+42 bps
Net Worth / Assets18.36%16.82%16.70%18.38%18.78%+42 bps
Liquidity & Funding
Loans / Shares19.15%16.59%14.82%14.98%14.01%-514 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps