Freestar Financial

Mount Clemens, MI · 2 · Charter #60406 · www.freestarfinancial.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$339.1M
26th percentile
Members
22,283
34th percentile
Total loans
$210.4M
24th percentile
Total shares
$291.6M
27th percentile

Profitability

Return on assets
0.58%
25th percentile
Net interest margin
3.45%
49th percentile
Efficiency ratio
70.17%
10th percentile
Non-interest income ratio
22.31%
71th percentile

Capital & Risk

Net worth ratio
9.70%
30th percentile
Delinquency rate
0.93%
32th percentile
Net charge-off rate
0.58%
33th percentile
Loan-to-share
72.14%
30th percentile

Growth

Member growth YoY
-0.42%
38th percentile
Asset growth YoY
3.10%
34th percentile
Loan growth YoY
-2.09%
18th percentile
Share growth YoY
1.81%
26th percentile

Operations

Members / branch
2,785
12th percentile
Assets / member
$15,218
41th percentile
Field of membership penetration
0.25%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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