| Metric | Freedom Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +4.7% | +0.9% | +3.7 pts |
| Loan growth (YoY) | +2.5% | -2.6% | +5.1 pts |
| ROA | 1.01% | 0.65% | +0.4 pts |
| ROE | 8.6% | 4.4% | +4.2 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.0M | $61.2M | $49.3M | $8.2M | $353K | 1.01% | 3.45% | 0.24% | 4,454 |
| Q1 2026 | $69.7M | $61.0M | $49.5M | $8.0M | $175K | 1.00% | 3.41% | 0.27% | 4,437 |
| Q4 2025 | $68.3M | $59.5M | $49.4M | $7.8M | $563K | 0.82% | 3.42% | 0.14% | 4,150 |
| Q3 2025 | $67.1M | $59.3M | $46.6M | $7.2M | $367K | 0.73% | 3.37% | 0.04% | 3,913 |
| Q2 2025 | $66.1M | $58.5M | $48.1M | $7.0M | $157K | 0.47% | 3.34% | 0.69% | 3,900 |
| Q1 2025 | $67.6M | $60.0M | $46.7M | $6.9M | $5K | 0.03% | 3.21% | 1.00% | 3,848 |
| Q4 2024 | $67.3M | $59.8M | $47.3M | $6.9M | $447K | 0.67% | 2.99% | 0.63% | 3,829 |
| Q3 2024 | $63.8M | $56.4M | $46.2M | $6.7M | $317K | 0.66% | 3.08% | 0.44% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,094 |
| Q2 2024 | $64.0M | $56.4M | $46.3M | $6.6M | $186K | 0.58% | 2.97% | 0.17% | 4,099 |
Loan mix (Q2 2026): real estate $26.7M · commercial $189K · consumer $20.1M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 80.6% | 31st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Utah, UT, ranked 25th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Utah, UT | 2 | $61.2M* | 0.16% | 25th |
Utah: 88th with 0.00% · Provo-Orem-Lehi metro: 26th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2