Freedom United
Rochester, PA · Charter 3487 · Peer group: credit unions under $1B in assets in the Pittsburgh, PA area (n=78)
NCUA · 3 branches
Q2 2026
$94.2MAssets
$25.1MLoans
$76.2MShares
$17.9MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 96% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 3 of 78).
- Widest gap: nonperforming loans / loans trails 50% of credit unions under $1B in assets in the Pittsburgh, PA area (rank 40 of 78).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.31%
Rank 3 of 78
Net Interest Margin
4.15%
Rank 21 of 78
Efficiency Ratio
51.86%
Rank 6 of 78
Equity / Assets
18.97%
Rank 17 of 78
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.31% | 0.37% | 0.83% | 1.31% | Beats 96% | 3 / 78 | |
| Return on Equity | 12.18% | 1.73% | 5.71% | 9.08% | Beats 92% | 6 / 78 | |
| Net Interest Margin | 4.15% | 3.17% | 3.63% | 4.21% | Beats 73% | 21 / 78 | |
| Efficiency Ratio | 51.86% | 65.01% | 78.15% | 89.28% | Beats 94% | 6 / 78 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.40% | 0.84% | 1.97% | Beats 50% | 40 / 78 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.97% | 12.42% | 15.10% | 18.27% | Beats 78% | 17 / 78 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.97% | 12.42% | 15.10% | 18.27% | Beats 78% | 17 / 78 | |
| Liquidity & Funding |
| Loans / Deposits | 32.91% | 34.83% | 50.41% | 71.84% | 22nd pctl | 61 / 78 | |
| Loans / Assets | 26.62% | 29.34% | 41.02% | 56.96% | 21st pctl | 62 / 78 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |