| Metric | Freedom Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.8% | -2.4 pts |
| Share growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | -2.2% | +4.3% | -6.6 pts |
| ROA | 0.50% | 0.62% | -0.1 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $757.4M | $606.3M | $524.4M | $107.7M | $940K | 0.50% | 2.73% | 2.08% | 31,707 |
| Q4 2025 | $751.8M | $595.6M | $526.4M | $106.8M | $5.8M | 0.77% | 2.74% | 2.26% | 31,606 |
| Q3 2025 | $748.8M | $589.5M | $531.7M | $103.8M | $2.8M | 0.49% | 2.70% | 2.56% | 31,618 |
| Q2 2025 | $738.4M | $584.1M | $537.5M | $102.1M | $1.1M | 0.29% | 2.71% | 2.39% | 31,616 |
| Q1 2025 | $739.7M | $580.3M | $536.4M | $101.9M | $952K | 0.51% | 2.71% | 1.92% | 31,633 |
| Q4 2024 | $734.1M | $569.3M | $545.5M | $101.0M | $3.1M | 0.42% | 2.56% | 1.79% | 31,707 |
| Q3 2024 | $735.7M | $568.8M | $552.4M | $100.5M | $2.0M | 0.37% | 2.49% | 1.65% | 32,081 |
| Q2 2024 | $740.1M | $572.7M | $555.6M | $99.1M | $694K | 0.19% | 2.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.62% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 32,002 |
Loan mix (Q1 2026): real estate $364.8M · commercial $125.6M · consumer $33.6M · securities $135.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 78.3% | 78th |
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 |
|---|---|---|---|---|
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.