BlastPoint's Credit Union Scorecard
FREEDOM
Charter #60275 · PA
FREEDOM has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 15.3% in tier
- + Wallet Share Momentum: Top 15.3% in tier
- + ROA 0.22% above tier average
- + Members Per Employee (MPE): Top 0.7% in tier
- + Efficiency Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 45.8% in tier
- - Credit Risk Growth: Bottom 75.5% in tier
- - Membership Headwinds: Bottom 92.9% in tier
- - Stagnation Risk: Bottom 92.9% in tier
- - Member decline: -4.3% YoY
- - Net Interest Margin (NIM): Bottom 6.9% in tier
- - Member Growth Rate: Bottom 7.8% in tier
- - Share Certificate Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,864
-4.3% YoY-1.2% QoQ
|
-35.2K |
96,048
-2.7% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$1.5B
+4.6% YoY+1.6% QoQ
|
$-234.2M |
$1.7B
+0.4% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$769.7M
+1.1% YoY-1.0% QoQ
|
$-444.0M |
$1.2B
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.4% in tier |
| Deposits |
$1.3B
+4.3% YoY+1.9% QoQ
|
$-182.1M |
$1.5B
+0.5% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.9%
-5.7% YoY-6.4% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
2.5%
+3.2% YoY+0.5% QoQ
|
-0.8% |
3.4%
+6.2% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
59.7%
+1.3% YoY-0.5% QoQ
|
-14.9% |
74.6%
-3.0% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.8%
+6.3% YoY-6.0% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
60.0%
-3.1% YoY-2.8% QoQ
|
-23.2% |
83.2%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.8% in tier |
| AMR |
$33,733
+7.7% YoY+2.0% QoQ
|
+$4K |
$29,652
+2.3% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
39.9%
-0.6% YoY+1.5% QoQ
|
+11.1% | 28.8% | 15.4% | 19.8% | Top 10.4% in tier |
| Indirect Auto % |
13.3%
-15.0% YoY-10.8% QoQ
|
-4.8% | 18.1% | 8.3% | 7.7% | 45% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)