Freedom
Warminster, PA · Charter 60275 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
$1.5BAssets
$776.7MLoans
$1.3BShares
$200.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of credit unions $1B-$10B in assets (rank 53 of 435).
- Widest gap: net interest margin trails 92% of credit unions $1B-$10B in assets (rank 401 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.96%
Rank 155 of 435
Net Interest Margin
2.51%
Rank 401 of 435
Efficiency Ratio
59.63%
Rank 53 of 435
Equity / Assets
13.37%
Rank 74 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 64% | 155 / 435 | | |
| Return on Equity | 7.19% | 5.12% | 7.41% | 9.70% | Beats 48% | 228 / 435 | | |
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 8% | 401 / 435 | | |
| Efficiency Ratio | 59.63% | 65.25% | 71.39% | 77.86% | Beats 88% | 53 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 39% | 266 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.37% | 9.81% | 10.84% | 12.63% | Beats 83% | 74 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.37% | 9.81% | 10.84% | 12.63% | Beats 83% | 74 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.92% | 78.33% | 88.38% | 95.61% | 7th pctl | 403 / 435 | | |
| Loans / Assets | 51.79% | 67.69% | 74.58% | 80.80% | 8th pctl | 402 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |