PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Freedom

Warminster, PA · Charter 60275

NCUA · 5 branches

Q2 2026

$1.5BAssets
$776.7MLoans
$1.3BShares
$200.4MNet 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 0.96%, down 2 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.81% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.37%, up 43 bps from a year ago.
  • Funding: loans stand at 59.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+10 bps YoY

Efficiency Ratio (YTD, annualized)

59.63%-22 bps YoY

Net Worth / Assets

13.37%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.02%0.99%0.94%0.96%-2 bps
Return on Equity7.61%7.64%7.50%7.10%7.19%-42 bps
Net Interest Margin2.41%2.48%2.46%2.51%2.51%+10 bps
Efficiency Ratio59.85%59.04%60.03%59.71%59.63%-22 bps
Growth
Asset Growth (YoY)11.25%5.60%5.55%4.57%4.44%-681 bps
Loan Growth (YoY)1.20%0.86%1.39%1.11%1.08%-12 bps
Share Growth (YoY)11.33%5.27%5.12%4.32%4.46%-687 bps
Asset Quality
Delinquent Loans / Loans0.78%0.77%0.84%0.79%0.81%+4 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 Capital12.94%13.32%13.22%13.24%13.37%+43 bps
Net Worth / Assets12.94%13.32%13.22%13.24%13.37%+43 bps
Liquidity & Funding
Loans / Shares61.92%62.61%61.68%59.97%59.92%-201 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps