BlastPoint's Credit Union Scorecard
FREEDOM UNITED
Charter #3487 · PA
FREEDOM UNITED demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Net Interest Margin 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.2% in tier
- + Total Deposits: Top 4.9% in tier
- + Efficiency Ratio: Top 5.2% in tier
- + Total Members: Top 6.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,854
-0.8% YoY-0.3% QoQ
|
+4.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 6.0% in tier |
| Assets |
$92.0M
+5.5% YoY-0.3% QoQ
|
+$61.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 3.2% in tier |
| Loans |
$25.3M
+5.6% YoY-0.8% QoQ
|
+$9.6M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$75.1M
+3.9% YoY-1.0% QoQ
|
+$49.4M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 5.0% in tier |
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| ROA |
2.2%
+49.7% YoY+0.5% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 5.6% in tier |
| NIM |
4.0%
+24.9% YoY+1.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
51.2%
-16.8% YoY+2.4% QoQ
|
-31.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
0.9%
-21.0% YoY-13.4% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
33.8%
+1.6% YoY+0.2% QoQ
|
-26.9% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.3% in tier |
| AMR |
$14,649
+5.2% YoY-0.6% QoQ
|
$-134 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
12.2%
+39.4% YoY+2.4% QoQ
|
-12.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)