BlastPoint's Credit Union Scorecard

FREEDOM

Charter #60275 · PA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 8 in PA

View Mid-Market leaderboard →

FREEDOM has 5 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 25.0% in tier
+ Wallet Share Momentum: Top 54.9% in tier
+ ROA 0.32% above tier average
+ Members Per Employee (MPE): Top 0.7% in tier
+ Efficiency Ratio: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 31.0% in tier
- Margin Compression: Bottom 33.3% in tier
- Stagnation Risk: Bottom 35.7% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 98.1% in tier
- Credit Risk Growth: Bottom 100.0% in tier
- Member decline: -3.8% YoY
- Loan-to-Share Ratio: Bottom 8.6% in tier
- Net Interest Margin (NIM): Bottom 9.3% in tier
- Member Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	61,578 -3.8% YoY-1.0% QoQ	-35.9K	97,431 -2.4% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	16%
Assets	$1.5B +5.5% YoY+2.7% QoQ	$-261.5M	$1.7B +0.9% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	45%
Loans	$777.2M +1.4% YoY+1.3% QoQ	$-457.2M	$1.2B +0.5% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 12.6% in tier
Deposits	$1.3B +5.1% YoY+2.8% QoQ	$-199.3M	$1.5B +0.9% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -23.0% YoY-0.8% QoQ	+0.3%	0.7% +20.9% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	79%
NIM	2.5% -0.1% YoY+0.8% QoQ	-0.8%	3.3% +9.2% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 8.9% in tier
Efficiency Ratio	60.0% +12.3% YoY+1.7% QoQ	-14.0%	74.1% -9.5% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Bottom 6.3% in tier
Delinquency Rate	0.8% +0.9% YoY+8.5% QoQ	-0.1	0.9% +6.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	59%
Loan To Share	61.7% -3.5% YoY-1.5% QoQ	-23.1%	84.8% -0.8% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Bottom 8.3% in tier
AMR	$33,084 +7.8% YoY+3.3% QoQ	+$4K	$29,428 +2.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	77%
CD Concentration	39.3% -2.4% YoY-1.6% QoQ	+10.3%	29.0%	15.5%	19.8%	Top 12.5% in tier
Indirect Auto %	14.9% -9.3% YoY-4.6% QoQ	-3.4%	18.3%	8.1%	7.8%	48%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#17 of 65 • Top 25.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.79%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $3.2K, National: $2.0K)

but worse than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#68 of 123 • Top 54.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.79%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline

#27 of 85 • Bottom 31.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Margin Compression

decline

#7 of 19 • Bottom 33.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.01%

(Tier: 0.69%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.31%

(Tier: 0.57%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 145 nationally

→ No prior data (19 CUs now) | New qualifier

Stagnation Risk

risk

#31 of 85 • Bottom 35.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.39%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.84%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Cost Spiral

risk

#5 of 9 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.59% points

(Tier: -6.71% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 31.75%

(Tier: 51.94%, National: 63.66%)

but better than tier avg

9 of 378 Mid-Market CUs have this signature | 58 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Credit Quality Pressure

risk

#207 of 211 • Bottom 98.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank worsening

Credit Risk Growth

risk

#164 of 164 • Bottom 100.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.39%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 655.085

Peer Median: -

#3 of 302 Top 0.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 60.03%

Peer Median: -

#20 of 302 Top 6.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.22%

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.79%

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.01%

Peer Median: -

#64 of 302 Top 20.9% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,084

Peer Median: -

#70 of 302 Top 22.8% in 1B-3B tier

Top Weaknesses (7 metrics)

277

Loan-to-Share Ratio

balance_sheet

Value: 61.68%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

275

Net Interest Margin (NIM)

profitability

Value: 2.49%

Peer Median: -

#275 of 302 Bottom 9.3% in 1B-3B tier

275

Member Growth Rate

growth

Value: -3.82%

Peer Median: -

#275 of 302 Bottom 9.3% in 1B-3B tier

271

Share Certificate Concentration (%)

balance_sheet

Value: 39.34%

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier

264

Total Loans

balance_sheet

Value: $777.18M

Peer Median: -

#264 of 302 Bottom 12.9% in 1B-3B tier

254

Total Members

engagement

Value: 61,578

Peer Median: -

#254 of 302 Bottom 16.2% in 1B-3B tier

244

Net Charge-Off Rate

risk

Value: 0.87%

Peer Median: -

#244 of 302 Bottom 19.5% in 1B-3B tier