Freedom

SPRINGFIELD, MA · 2 · Charter #66824 · www.freedom.coop
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
$751.8M
83th percentile
Members
31,606
57th percentile
Total loans
$526.4M
82th percentile
Total shares
$595.6M
79th percentile

Profitability

Return on assets
0.54%
22th percentile
Net interest margin
2.74%
13th percentile
Efficiency ratio
57.75%
56th percentile
Non-interest income ratio
21.83%
68th percentile

Capital & Risk

Net worth ratio
14.20%
86th percentile
Delinquency rate
2.26%
3th percentile
Net charge-off rate
0.06%
93th percentile
Loan-to-share
88.38%
70th percentile

Growth

Member growth YoY
-0.32%
39th percentile
Asset growth YoY
2.42%
28th percentile
Loan growth YoY
-3.50%
11th percentile
Share growth YoY
4.62%
49th percentile

Operations

Members / branch
3,512
26th percentile
Assets / member
$23,787
88th percentile
Field of membership penetration
2.56%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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