Freedom of Maryland

Bel Air, MD · 1 · Charter #8550 · www.freedomfcu.org
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
$557.4M
64th percentile
Members
42,086
77th percentile
Total loans
$441.1M
73th percentile
Total shares
$496.9M
66th percentile

Profitability

Return on assets
1.04%
56th percentile
Net interest margin
4.09%
85th percentile
Efficiency ratio
61.20%
40th percentile
Non-interest income ratio
16.18%
32th percentile

Capital & Risk

Net worth ratio
8.31%
8th percentile
Delinquency rate
1.13%
23th percentile
Net charge-off rate
0.73%
22th percentile
Loan-to-share
88.76%
71th percentile

Growth

Member growth YoY
31.82%
99th percentile
Asset growth YoY
17.57%
97th percentile
Loan growth YoY
21.64%
97th percentile
Share growth YoY
16.97%
97th percentile

Operations

Members / branch
5,261
61th percentile
Assets / member
$13,245
22th percentile
Field of membership penetration
2.26%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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