Freedom
Springfield, MA · Charter 66824 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$764.0MAssets
$517.7MLoans
$611.6MShares
$108.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 62% of credit unions under $1B in assets (rank 634 of 1683).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets (rank 1574 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.57%
Rank 1,047 of 1,683
Net Interest Margin
2.70%
Rank 1,574 of 1,683
Efficiency Ratio
84.22%
Rank 1,152 of 1,682
Equity / Assets
14.26%
Rank 634 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,047 / 1,683 | | |
| Return on Equity | 4.02% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,088 / 1,681 | | |
| Net Interest Margin | 2.70% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,574 / 1,683 | | |
| Efficiency Ratio | 84.22% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,152 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.81% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,413 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.26% | 10.44% | 12.89% | 16.53% | Beats 62% | 634 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.26% | 10.44% | 12.89% | 16.53% | Beats 62% | 634 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.64% | 52.61% | 69.38% | 83.50% | 77th pctl | 384 / 1,683 | | |
| Loans / Assets | 67.76% | 44.71% | 59.18% | 70.72% | 69th pctl | 527 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |