| Metric | Freedom Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.1% | -0.6 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.5 pts |
| Loan growth (YoY) | +1.1% | +5.4% | -4.3 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 7.1% | 6.3% | +0.8 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.49B | $1.28B | $769.7M | $196.7M | $3.5M | 0.94% | 2.51% | 0.79% | 60,864 |
| Q4 2025 | $1.46B | $1.26B | $777.2M | $193.2M | $14.5M | 0.99% | 2.46% | 0.84% | 61,578 |
| Q3 2025 | $1.42B | $1.23B | $767.1M | $189.6M | $10.9M | 1.02% | 2.48% | 0.77% | 62,199 |
| Q2 2025 | $1.44B | $1.24B | $768.4M | $185.8M | $7.1M | 0.99% | 2.41% | 0.78% | 65,840 |
| Q1 2025 | $1.42B | $1.23B | $761.2M | $182.2M | $3.5M | 0.98% | 2.40% | 0.74% | 63,572 |
| Q4 2024 | $1.39B | $1.20B | $766.5M | $178.7M | $17.8M | 1.29% | 2.46% | 0.83% | 64,027 |
| Q3 2024 | $1.35B | $1.16B | $760.5M | $174.4M | $13.5M | 1.34% | 2.54% | 1.05% | 67,422 |
| Q2 2024 | $1.29B | $1.11B | $759.3M | $169.7M | $8.8M | 1.37% | 2.61% |
| Ratio | Freedom Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.71% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 6.3% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.89% |
| 67,441 |
Loan mix (Q1 2026): real estate $427.7M · commercial $14.8M · consumer $326.2M · securities $357.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 73.0% | 9th |
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.