BlastPoint's Credit Union Scorecard
FREEDOM 1ST
Charter #11643 · KS
FREEDOM 1ST has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
- + Efficiency Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Loan Growth Rate: Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,321
+0.8% YoY-1.2% QoQ
|
-304 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$39.5M
+0.0% YoY+0.8% QoQ
|
+$9.7M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$4.4M
-28.2% YoY-5.9% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$31.5M
-1.8% YoY+0.7% QoQ
|
+$6.1M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
2.0%
+12.3% YoY+6.2% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.5% in tier |
| NIM |
3.6%
+5.8% YoY+4.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
46.9%
-6.6% YoY+0.5% QoQ
|
-34.5% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.8%
+274.5% YoY+1049.8% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
14.0%
-26.9% YoY-6.5% QoQ
|
-47.2% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.5% in tier |
| AMR |
$15,475
-6.8% YoY+1.0% QoQ
|
+$848 |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
4.8%
+25.4% YoY+8.6% QoQ
|
-19.6% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)