PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Freedom United

Rochester, PA · Charter 3487

NCUA · 3 branches

Q2 2026

$94.2MAssets
$25.1MLoans
$76.2MShares
$17.9MNet Worth

Executive Summary

  • Earnings: ROA of 2.31%, up 36 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.84% of loans (-18 bps YoY).
  • Capital: net worth / assets of 18.97%, up 151 bps from a year ago.
  • Funding: loans stand at 32.91% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

2.31%+36 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+27 bps YoY

Efficiency Ratio (quarter, annualized)

51.88%+47 bps YoY

Net Worth / Assets

18.97%+151 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.45%2.01%1.96%2.11%2.16%2.11%2.31%+36 bps
Return on Equity7.75%8.52%11.74%11.20%11.97%11.80%11.58%12.18%+98 bps
Net Interest Margin3.01%3.24%3.78%3.88%3.92%4.01%4.05%4.15%+27 bps
Efficiency Ratio64.62%61.54%52.43%51.41%50.01%51.22%54.43%51.88%+47 bps
Growth
Asset Growth (YoY)2.71%2.82%4.25%3.57%4.06%5.53%6.52%4.73%+116 bps
Loan Growth (YoY)2.81%-2.83%-1.89%-2.38%2.41%5.63%2.65%0.17%+255 bps
Share Growth (YoY)0.31%1.58%3.42%2.03%3.76%3.94%4.28%2.79%+76 bps
Asset Quality
Delinquent Loans / Loans1.44%1.20%0.87%1.02%1.09%0.95%0.80%0.84%-18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.27%17.02%17.17%17.47%17.66%18.26%18.24%18.97%+151 bps
Net Worth / Assets16.27%17.02%17.17%17.47%17.66%18.26%18.24%18.97%+151 bps
Liquidity & Funding
Loans / Shares34.13%33.22%32.73%33.77%33.68%33.76%32.22%32.91%-86 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps