Freedom
Provo, UT · Charter 67129 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$70.0MAssets
$49.3MLoans
$61.2MShares
$8.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets (rank 388 of 1682).
- Widest gap: net interest margin trails 69% of credit unions under $1B in assets (rank 1158 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.01%
Rank 587 of 1,683
Net Interest Margin
3.45%
Rank 1,158 of 1,683
Efficiency Ratio
72.50%
Rank 566 of 1,682
Equity / Assets
11.69%
Rank 1,043 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.35% | 0.74% | 1.18% | Beats 65% | 587 / 1,683 | | |
| Return on Equity | 8.62% | 2.67% | 5.89% | 8.74% | Beats 74% | 436 / 1,681 | | |
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,158 / 1,683 | | |
| Efficiency Ratio | 72.50% | 68.91% | 78.20% | 86.93% | Beats 66% | 566 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 388 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,043 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,043 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.56% | 52.61% | 69.38% | 83.50% | 70th pctl | 500 / 1,683 | | |
| Loans / Assets | 70.40% | 44.71% | 59.18% | 70.72% | 74th pctl | 433 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |